Creation & Preservation

Our Investment Decision Philosophy

We make decisions carefully and according to time-honored principles in wealth management. Client accounts are allocated across many asset classes*. Each portfolio design is based upon individual client goals, risk tolerance, and time horizons. Investments are based upon long-term, fundamental, economic, business, social, political, and demographic trends. As the markets and your unique needs change, we consult with you about rebalancing your portfolios. This helps maintain prudent diversification and is a key pillar of our wealth management process.

“It’s about time in the market, not timing the market.”

We optimize portfolios for long-term, consistent performance. Day-to-day market fluctuations generally do not affect our investing process. We do not utilize market timers, nor do we attempt to time short-term market movements.

*There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. No investment strategy, such as asset allocation, can guarantee a profit or protect against loss.

Independent Financial Planners

Our independence means objectivity for our clients. As an independent financial planning firm, we have no sales quotas to meet, nor are we pressured to sell a particular investment product. We do not invest client funds in proprietary products, nor do we directly manage the mutual funds or asset managers we recommend. We also have the flexibility to utilize a majority of the thousands of mutual funds and money managers in the market. Our objectivity offers a tremendous advantage when providing solutions to achieve our clients’ goals.

A Select Clientele

We seek individuals, families, and business owners who are committed to achieving their financial and lifetime goals. Our firm has evolved to the point where we are selective in the types of clients we accept. We only partner with those that we are best suited to serve and those who are truly committed to attaining their financial and life goals.

We take great pride that the majority of our clients come to us on a referral basis. We like to think that this attests to the high level of service and quality advice we provide. We work with individuals who appreciate the value of a team-oriented, comprehensive approach to financial management. Client enthusiasm and discipline in conjunction with our expertise make for a truly potent combination.