Our Investment Philosophy

Every relationship begins with the development of an Investment Policy Statement (IPS) which will summarize our joint understanding of your investment goals and objectives and describe the strategies we'll follow in pursuit of those objectives. Specifically, it will provide direction on asset allocation, risk tolerance, and liquidity requirements.

Once an IPS is in place, we believe in keeping things as simple as possible, whenever possible. (Which is not always easy in the world of personal financial planning and investments. In the area of taxation alone, there have been almost 5,000 changes to the Tax Code since 2001. And deciding whether to buy a call option or sell a put option in response to an opportunity is not for the faint of heart.)

However, we won't use 32 mutual funds to meet your investment needs if 8 or 9 simple, low cost exchange traded funds will accomplish the same diversification objective.

We don't try to outsmart the market. In our experience, anyone who says they can do this consistently is either very lucky — or lying. We simply follow prudent investment principles, applied consistently and structured to achieve your personal goals and objectives. We believe if your advisor can't explain why they've selected each and every investment for you and what its intended purpose is in plain, easy-to-understand English, it's time to find a new advisor.