We dedicate our careers to enhancing the financial well-being of our clients

We believe an effective investment strategy should be part of a comprehensive, long-term financial plan.

We believe that asset allocation* is the most important decision in the investment process.

Studies show that over 90% of investment return is determined by asset allocation decisions (i.e., dividing your portfolio among broad asset classes), not individual security selection. Over time, asset allocation can potentially reduce the risk of investing as different asset classes react differently to economic and market events.

We believe diversification* enhances risk-adjusted returns.

The age-old saying “don’t put all your eggs in one basket” is analogous to diversification. This concept allows investors to potentially reduce business, industry and geographical risk associated with specific investments.

We believe no one can predict the moves in the market.

Over the long term, market timing does not work. However, we believe that opportunities do present themselves in the market and skillful management can help improve performance.

We believe one of the most fundamental investment risks is the loss of purchasing power.

Since consumer prices could triple over the next 30 years due to inflation, long-term investors must not only be concerned about preserving their principal, but also with protecting their purchasing power and growing their assets over time.

We believe minimizing tax liabilities and investment costs leads to higher investment returns.

It is appropriate to strive to keep taxes, trading costs and management fees as low as possible. However, an investment should never be chosen for those reasons alone.


There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation and diversification do not ensure a profit or protect against a loss. Past
performance is not indicative of future results.