Investment Process
Determine Client Needs
(STEP ONE)
  • Talking with client before selecting asset allocation.
  • Determining risk tolerance of investor.
  • Assessing cash needs and portfolio’s objective.
  • Not taking any more risk than is needed to meet client objectives.
Portfolio Construction
(STEP TWO)
  • If one of the seven templates does not fit the client’s needs, we can develop a custom solution that will.
  • Our investment tools include: Individual large-cap equities;  Passive and active no-load mutual funds; “A” rated or higher, shorter term bonds; and Government debt, CD’s, and money market funds.
  • Our research process includes both quantitative and qualitative approaches, leveraging the information obtained from resources like Bloomberg and Morningstar.
  • Seven different risk category templates are used for the majority of our accounts.
Portfolio Monitoring
(STEP THREE)
  • We monitor accounts to ensure that they are invested according to their objectives.
  • We encourage our clients to meet at least annually.
  • We review client needs to determine if they have changes requiring a different objective for the portfolio.
  • We do not buy on margin or use leverage or derivatives in our investment process.
  • Focused diversification.
  • Rebalance as necessary.

All investing involves risk, including the potential for loss of principal. There is no guarantee that any investment strategy will be successful.