BEATING THE STOCK MARKET IS NOT A FINANCIAL PLAN

  • A reliable and sound investment strategy is preceded by a thoughtful plan.
  • The first step in our asset management process is to identify your goals, needs and constraints. We evaluate personal circumstances such as your current situation, where you need to get, where you want to get, time horizon, and preference for risk.
  • That plan becomes the blueprint to construct an investment portfolio tailored to you. The recommended portfolio will coordinate and complement other elements of your financial plan – ensuring that all parts of your financial picture work together.

ASSET ALLOCATION

  • Studies have shown that asset allocation is the single most important determinant of long-term portfolio rate of return*. For that reason we spend a lot of time constructing an asset allocation that is well-balanced, diversified and is built upon your plan.

TAX EFFICIENCY

  • Some assets are more tax friendly than others. A diversified portfolio likely includes multiple accounts, some of which are taxable and others that are tax deferred or tax free. We thoughtfully place assets across accounts to achieve the greatest tax efficiency.

INVESTMENT SOLUTIONS

  • Based on your situation and plan, we may employ institutional asset managers, boutique investment firms and/or passive (index-tracking) investments where appropriate.

Investment Advisory Services 

Investment management advisory fee ranges from 0.60% – 1.50% depending on the size, customization and complexity of the portfolio.

*Gary P. Brinson, L. Randolph Hood, and Gilbert L. Beebower, Determinants of Portfolio Performance, The Financial Analysts Journal, July/August 1986. Asset allocation does not guarantee a profit or protect against loss in declining markets. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio or that diversification among asset classes will reduce risk.