Our Philosophy

Planning is of the utmost importance to achieve investment planning goals.  A clear understanding of each client’s personal financial objectives, current financial situation, return expectations and risk tolerance provides an initial starting point.


  • Strategic Asset Allocation is the most important diversification concept available to help understand risk/return assumptions, and to help obtain realistic total returns.
  • In long-term investing, realizing that it is our best opportunity for reaching our goals.
  • That over time, equities can offer an inflation hedge.
  • Investment styles come in and out of favor with each having their day in the sun.  It is important to maintain a long-term, disciplined approach to investing.
  • Interest rate changes develop over long periods of time and by laddering maturities you can reduce the need to stay short-term or guess at interest rate directions.
  • Today is always the hardest time to invest and the best time to start.
  • Investors are afraid of market declines but they should be more afraid of missing potential future gains.
  • The great long-term risk is outliving your savings. 
  • There will be down markets.  How an investor reacts during these down times can determine ones success, rather than how the investments perform.
  • Striving to keep losses on investments small, but allowing profitable investments to continue to grow. 
  • That you can potentially invest more effectively with our guidance and encouragement.  Our job is to keep clients on an even keel and focused on long-term goals and objectives.

Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.