What Makes Us Different?

  • We diversify – practicing true diversification.
  • We create your own personal investment policy statement.
  • We practice transparency – We place investments directly with companies. We do not hold any of our clients assets in our name.
  • We practice risk reducing strategies for your investments.
  • We decide on your asset allocation model and review it often.
  • We do the job the right way the first time.
  • We service your family in the event of your death or disability.
  • We plan for the best and prepare for the worst.
  • We transfer risk to others whenever feasible.
  • We pay attention to current events and the landscape of changing financial conditions.
  • We are aware of expenses, both obvious and hidden – lower expenses are generally better, but not always. Don’t be pennywise and dollar foolish.
  • We use tax efficient investment platforms when practical.
  • We include securities that offer both potential growth and income – remember dividends and interest are your friends.
  • We have different baskets of investments for different time horizons.
  • We use risk aware managers.
  • We use portfolio insurance whenever possible.
  • We use a proprietary age weighted asset allocation method instead of traditional market based asset allocation models.
  • We believe the adage of “The higher the risk, the higher the return” is false and has caused untold damage to people’s investment portfolios and lifestyles.
  • We believe it is nearly impossible to time the stock market. However, one can practice seasonality with good results.