Our Investment Philosophy

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YOUR PROSPERITY IS OUR GOAL


The statement above summarizes our firm's core beliefs. This provides the basis for your Investment Policy. The entire staff participates, at different levels, in the development of our philosophy. All members of the firm are committed to its consistent implementation. Policy design, implementation, continuous monitoring and, as necessary, modification, are integral parts of the wealth management process.

Our success is measured not by performance statistics but rather by our clients' success in achieving their goals.

Client Related Concerns

Goal Setting

We believe that clients must set their own goals. It is our responsibility to educate them in the process and to assist them in defining, quantifying, and prioritizing their goals

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Cash Flow

We believe that clients need total return, not dividends or interest. The traditional concept of an 'income' portfolio is outdated and places unnecessary and inappropriate restrictions on portfolio design.

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Expectations

We believe that 'conservative' assumptions are a dangerous myth. Return requirements should be based on real rates of return. An investment policy should not be prepared based on a client's unrealistic expectations. If necessary, we will refuse the engagement.

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Risk Tolerance

We believe that a client's risk tolerance is a significant constraint in the wealth management process. Success can be measured by our clients' ability to sleep well during turbulent markets

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Tax constraints

We believe that tax considerations must be considered. However, the goal of tax planning should be to maximize after-tax returns, not to minimize taxes.

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Time Diversification

We believe that tax considerations must be considered. However, the goal of tax planning should be to maximize after-tax returns, not to minimize taxes.

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On-going Management

We believe that there should be regular review of a client's situation to determine if he is continuing to move in the direction of achieving his goals. This includes revisions in strategic allocations as a result of revised assumptions or changing client circumstances or goals.

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