Investment Philosophy

We only invest for the long term
Our goal is to achieve the best returns by focusing our attentions on long term trends, rather than being distracted by the short term fluctuations of the market

We manage each client’s portfolio separately
Because every client’s cash flow and tax situation is unique, so every portfolio must be unique. Rigid application of models can seriously diminish portfolio returns, while customization can enhance them.

We are disciplined in our approach
While each portfolio is different, we draw upon Modern Portfolio Theory to design portfolios and implement a client’s asset allocation.

We are independent thinkers
A sure recipe for poor returns is to follow investment fads and trends. We try to avoid mainstream thinking and always question conventional wisdom. We don’t recommend a strategy just because it’s good marketing.

We focus on quality and value
Brand names matter. Cash flow and earnings ratios really do determine the attractiveness of stocks and bonds. Broad diversification only makes sense if you can make an attractive return off the various components of the portfolio.

We believe in passive management, mostly
Generally we will favor index funds and other “passive” investments, but certain active strategies can add value over the long term.

We seek to control costs and reduce taxes
An inefficient approach to either can have a substantially negative impact on your returns and our performance.

We invest our clients’ money as if it were our own
We place our clients’ financial interests above our own and only make recommendations based on our assessments of a client’s best interest.

We maintain close communication with our clients
Properly managing private wealth requires an ongoing dialogue. Leveraging technology is a source of our pride, but noting beats old fashioned in-person meetings and telephone calls.