Our Investment Philosophy

Successful investment management requires a disciplined strategy.

A strategy that is customized to your situation further increases the odds of success.  Gaining an appropriate gauge on your risk capacity and risk tolerance plays a vital role in your portfolio’s composition.  When creating your investment strategy, our objective is to achieve the highest total return for your appropriate risk levels.

Due to ever-changing economic conditions and market prices, we feel that proper investment management requires continuous attention.  We also realize that no one can continuously monitor all necessary areas of the markets, so we delegate part of the investment management process to other managers, primarily through the use of mutual funds.

We understand that the investment markets are a competitive marketplace.

Our Unique Research Process helps us to understand where we believe we can gain a competitive advantage.  To do this, we generally spend 8-10% of our time on research alone, which allows us to spot broad mispricings in the markets that we feel can be exploited.

We invest with a 3-5 year focus that helps us avoid emotional decisions based on current conditions.  Reacting to those emotions can sometimes cause most investors to underperform.

We keep you informed and explain your investments.

Each quarter, we conduct a review of your investments:

• We conduct a full examination of your current investment picture, given the accounts we manage.
• We provide you with performance reports so you know how your investments are doing compared to benchmarks.
• We evaluate investment flows in and out of your accounts.
• We provide our current market outlook and how it relates to your individual portfolio.
• Your advisor will make recommendations for purchases, sales, asset allocation adjustments and cash flow needs.