Before investing on your behalf,
we carefully consider many factors

Investment Strategy

We begin by reviewing current economic, political and financial environments and asset classes such as stocks, bonds, cash alternatives and alternative investments.* Based on our three-to-five-year outlook, we assign recommended holding percentages for each of these assets. In addition, we also look at important factors such as credit quality and maturities for fixed-income investments such as municipal bonds.**

We then review our expectations of the various investments within each asset class. At any point in time, certain parts of the market may represent better investment opportunities than others. We will allocate investment capital to the areas we believe offer the best risk-adjusted, forward-looking results and that are complementary to a well-balanced and diversified portfolio. 

Once our strategy is well defined, we put our investment plan into place.

We carefully select professional managers or individual securities for each asset class. While there are literally thousands of investment opportunities available, our research helps us narrow down our choices to what we believe to be the highest-quality managers and investments. We base our decisions on the management firm’s culture and experience, its investment philosophy and process, fees, tax efficiency and risk/return characteristics.

Your personal situation and the financial markets are dynamic and often evolve. As a result, we regularly review our investment policy, manager selections and your portfolio performance, and make necessary changes to the allocation or investments. When necessary, we will also rebalance your portfolio to help ensure your assets are maintaining the desired risk level and that their growth potential is optimized.


* 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.

** A credit rating of a security is not a recommendation to buy, sell or hold securities and may be subject to review, revision, suspension, reduction or withdrawal at any time by the assigning rating agency. Ratings do not remove market risk. Credit quality ratings are assigned by Moody's Investors Service and Standard & Poor's. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise.

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