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Our Investment Philosophy

Our investment process begins where it should – with you and your personal financial plan. As a result, we think differently about investing than other firms. Here are the ways our thinking sets us apart:

Focusing too narrowly on returns may ignore other factors critical to your success. This is why we focus on your goals and objectives, and develop a custom investment strategy designed to help you achieve them.

Focusing too much on age during portfolio design may not be helpful. Instead, focusing on the expected timing of portfolio withdrawals may be a more sound approach.

Many investors and financial firms think of investments as either providing income or growth to clients. These characteristics are not mutually exclusive. We place importance on selecting investments that can combine income with growth potential to improve the opportunities for positive investment outcomes.

Although market volatility is important, we also consider more subtle factors like inflation, taxes, and healthcare expenses when designing your portfolio.

CONSTRUCTING YOUR PORTFOLIO

Identifying your
risk tolerance

Your sensitivity to market volatility is important for us to understand to determine an asset allocation balanced on your risk tolerance and the return needed to achieve your goals.

Investing involves risk and investors may incur a profit or a loss. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.

Determining
your cash needs

We will identify the likely portfolio withdrawals required in the next one to two years to satisfy goals and objectives, then establish a cash flow reserve.

Conservative
portfolio size

Utilizing your anticipated spending as well as your risk profile, we strive to cover your needs and keep your portfolio risk in line with your financial plan.

Growth
portfolio size

After making allocations to cash and conservative components, we will allocate the remaining portfolio assets to growth opportunities, where appropriate, in order to address longer-term risks such as inflation, taxes, and healthcare needs.

Investing involves risk and investors may incur a profit or a loss. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.

Identifying
return potential

We seek to identify investments with attractive total returns – looking for opportunities that can potentially provide clients with investment income and growth throughout the portfolio.