Financial Planning:

Over the years we have often faced the question from potential clients, “What rate of return can you get me?” Traditionally, this would lead to questionnaires that would have us asking of them, “How much risk can you take?” We believe the better question is, “What rate of return do you need?” In other words, we do not believe in advising our clients on how they can get a high return if that is not what they need to achieve their goals. Why expose yourself to unnecessary risk simply to get a return above what you need? For example, if through getting to know you it is determined that all your goals can be met with a return of 4%, we feel it would be irresponsible to invest your money with a target return of 10%. This would expose you to unnecessary risk and potentially threaten the very goals we were hired to help you achieve. We ask the right questions and use advanced financial planning software to determine what is required to achieve your goals.


Investment Management:

There are two components that we use in determining your investment strategy, you and the market. First, we get to know you by listening to your story. We recognize your financial goals are shaped by a variety of influences including personal history and family dynamics, current financial situation, goals on saving and future spending, risk tolerance, and many others. Second, we evaluate the current market environment. Asset classes and sectors will rotate in and out of favor depending on the supply and demand for each. Whether growth, income or capital preservation is your primary focus there may be a better place to invest. We closely track these rotations along with what is going on in the global marketplace and base our recommendations on this information. We have learned owning the appropriate asset classes and sectors that match your objective and goals is not only the best way to seek returns but more importantly mitigate risk.


We are hired to manage risk, aiming to preserve capital and build long-term wealth.

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.