We are fiduciaries. That means we put your interests ahead of our own. When we provide investment management, we accept no fees from the investments that we recommend. We use our decades of experience to create your investment portfolio.
We offer two options for managing your investments:
We start with your goals, your time frame, and perhaps most importantly, your risk tolerance (the degree of fluctuations in your investment returns that you are willing to withstand).
For our customized portfolios, we use a global core-satellite approach – a combination of passive (index style) for the core and active (stock/bond selection) investments for the satellite. We may also use the satellite to emphasize a theme. We view this as part of our diversification strategy.
We do not try to “beat the market” but rather invest to achieve your financial goals within the risk tolerance identified.
Your financial plan serves as a guide for portfolio design. As part of the plan, we review such issues as:
We believe that financial resources are built over time, not overnight.
We design the portfolio as a team. We believe this approach allows the whole to be greater than the sum of its parts.
You can view your investments 24/7 on your personalized, secure, website (portal).
Portfolio design concepts
We offer a digital investment management solution for clients who want to take advantage of our investment management expertise and a digital experience.
Based on your response to our risk tolerance questions, we will apply a portfolio allocation model to your investments.
You complete the new account paperwork for your investments to be moved to our custodian, TD Ameritrade. In the electronic package for opening your account will be our Management Agreement and Disclosure Statements (Form ADV Part 2A, 2B and Privacy Statement).
If there are tax issues or other concerns regarding a specific holding within the portfolio you currently hold, we will have a conversation about how to proceed. Your account statements will be provided via an online website that also provides performance data.
We offer two – 30 minute teleconferences per year to discuss portfolio strategy.
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No Hidden Costs. No Referral Fees. No Commissions.
As a fiduciary, we put our clients' interests first. Our compensation comes exclusively from you. If we don't directly provide a particular service, we can serve as a resource for referrals to other professionals.Download the fee schedule Download Disclosure Form ADV Part 2