Our investment and financial planning philosophy has withstood the test of time and has consistently delivered the results that have built long-term trusting relationships and returning clients.
At the core of our role as your investment advisor is a directive to design an investment strategy that maximizes the likelihood of achieving your goals and objectives.
Investment Philosophy
Our Investment Philosophy incorporates the key elements that earned a Nobel Prize in economics for the Modern Portfolio Theory. We believe:
- Each client and their investment planning is unique.
- Investments should be allocated amongst different asset classes to safely maximize the returns and lessen risk.
- The allocation of assets is based on the client’s goals, needs and timeframe. The allocation is influenced by the mental outlook for risk and the financial capacity for risk.
- The investments selected within each asset class should follow Generally Accepted Investment principles.
- Clients are best served by having a clear understanding of their goals, the risks, how to gauge the success of the allocation and the responsibilities of the client and the advisor, i.e. client benefits by having an Investment Policy Statement.
- The client has greater peace of mind and less apprehension when they are involved in the selection and monitoring of their investments.
- The selection and monitoring of investments is most efficient utilizing computer tools and services that are available to financial advisors, and are not available to the individual investor and/or would be too costly for most.
Financial Planning Philosophy
We believe:
- Each client is unique and their financial planning should reflect this premise.
- Clients from all walks of life and all stages in life should have access to quality, competent, professional financial advice, on an as-needed basis.
- Clients deserve to be treated fairly, with compassion and dignity, and their personal information should always be maintained in the strictness of confidence.
- Clients receive the best financial planning results when the planner has an excellent understanding of the clients’ situation and goals, which is founded on collaborative two-way communication.
- Clients have the greatest peace of mind and less apprehension when they are involved in the planning process and monitor their progress over time.
- Clients are best served by those professionals dedicated to high standards, who maintain competency with continuing education, and by working in collaboration with other professionals (CPAs, attorneys, etc.)
- Clients are best served by a fee-only planner, who can give purely objective advice based on the fact he/she does not accept commissions on products sold or fees for the referral of clients to other advisors.
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