We take a disciplined, relatively conservative, approach to investing. The challenge is to develop an asset allocation strategy that satisfies your desire for safety, while adhering to the long-term growth objectives that will maintain your lifestyle. We meet this challenge by creating a mix of stocks, bonds, and diversifiers.
During a stock market boom, a conservative portfolio may not appreciate as quickly as a more aggressive portfolio, however it is less likely to experience the dramatic drops the more aggressive portfolio can experience. We continuously monitor, review, and make changes to your portfolio as conditions in the world, and your life, change.
The first step in constructing a diversified investment portfolio starts with understanding your financial position:
Our planning process involves a comprehensive risk profile analysis to determine which investment mix is most suitable for you. The result is an Investment Policy Statement that outlines your willingness to assume risk and establishes protective guardrails we use to keep the portfolio properly invested.
Our investment philosophy remains unchanged since our founding over 20 years ago:
"The stock market is a device for transferring money from the impatient to the patient" - Warren Buffet
Creating a portfolio involves establishing an asset allocation framework of target percentages for various asset categories.
Younger, more aggressive and risk-tolerant clients typically have more stock in their mix, whereas clients that are retired, or near retirement, tend to be less risk-tolerant and may have more bonds in their mix. Granted, we have also had clients in their 90s whose portfolios are aggressive and young clients with conservative portfolios. Our process helps you determine what works for you and the Investment Policy Statement clarifies and documents that decision.
WE ARE A FEE-ONLY ORGANIZATION.
We do not receive commissions, referrals, or other compensation from any source. This means no hidden or extra fees. This allows us to recommend the most suitable portfolio for you regardless of the compensation structure. Our incentive is to make money for you, not on you.Our full compensation arrangements are disclosed and readily available to you as required by the CFP® Code of Ethics.
Trust is essential for a successful relationship. We have invested great time and energy in building and maintaining our reputation as a trustworthy and loyal practice. We expect and encourage you to verify our reputation as you establish this significant relationship with us.