Investment Principles

Though each client has a unique set of financial circumstances and investment objectives, we manage all client portfolios with an unwavering commitment to our investment principles. Following are our key investment principles, which we apply consistently to help build wealth for our clients:

Personalized – We know each client personally. Portfolios are individually structured and managed to achieve each client’s specific investment objectives.

Balanced – We believe that a mix of asset types performs best over time. Based upon each client’s risk tolerance and financial needs, we implement an optimal allocation among stocks, bonds, and mutual funds. Allocations are periodically reviewed to accommodate changes in market performance and client needs.

Disciplined – We maintain our investment principles despite short-term market fluctuations. Studies prove that “dollar cost averaging” and other disciplined strategies achieve superior investment performance over the long run.

Tax Efficient – We help minimize taxes for our clients. Client portfolios are structured and managed to maximize after-tax investment income while minimizing future exposure to estate and gift taxes.

Low Cost – We choose investments that are inexpensive to buy, hold, and sell. Keeping transaction costs low and reducing multiple expense layers can significantly boost investment returns over time.

Fair – We treat clients as we hope to be treated ourselves. This unwavering commitment to fairness extends beyond our investing activity to all aspects of our client relationships.

Over three decades of successful investment management attest to the value and effectiveness of our investment principles.

10 Principles for Happier Investing