Our Investment Philosophy

Our investment advice is aimed at developing a long-term investment program that will allow our clients to achieve their major expenditure goals and reach a point of financial independence. We believe financial independence is achieved when our clients have accumulated enough capital so that they can stop working and let their investments work for them.

Our plan emphasizes tax savings and cash flow savings that seeks to allow for accumulation of capital. In putting that capital to work, we determine an appropriate asset allocation that takes into account the amount and timing of expenditure goals, the age and risk tolerance of the clients, and the size of their investment portfolio.

For managing capital growth while limiting risk, we rely on diversification, both across and within asset categories. We concentrate on various investments suitable to each client in order to address a reasonable level of diversification within asset categories with a limited amount of funds. Furthermore, when possible, we may recommend more than one investment vehicle for each asset grouping in an effort to help reduce the management/ performance risk. As the needs and circumstances of our clients’ change, we would expect to adjust the level of allocation in each category and/or the specific investment vehicles chosen.

We do not believe in trying to time the market. We do not pretend to know exactly when the market for stocks or bonds will make a major move. We take into consideration our own and our clients’ estimation of our place in the economic cycle, but we rely most heavily on diversification of assets to protect the capital base.


*Investing involves risk including the potential loss of principal.  There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification and/or asset allocation does not protect against market risk.