Investment Management

Our investment management process involves careful strategy development - referring to clients financial plans - to help clients reach their life goals.  We work with clients to bring them an investment program they will understand and have the confidence to follow to success. 

Investment Philosophy


We are firm believers in the benefits of diversification.  The basic premise of diversification is that you can achieve more consistent long term returns by owning a diverse group of investments that move independently of one another. 


Investment performance can be improved through superior portfolio design.  Our process enables our clients to keep more of what they earn. Our portfolios:

  • Capture the benefits of both active and passive management.
  • Are tax optimized.
  • Control costs.

Investors are hard wired to make big investment mistakes.  Chasing performance, trying to time the market or taking too much or too little risk all seriously limit long term investing success.  We protect our clients from making these big mistakes by bringing discipline and consistency to the investment management process.  We ensure that our clients understand their investment strategy and have the conviction to follow it even in trying times.

Click each numbered topic below to learn more.
Investment Process
1. Portfolio Design

The biggest determinant of overall investment return is the portion of the portfolio invested in riskier assets (stocks) vs. the portion invested in less risky assets (bonds).  Increasing the weighting to riskier assets will increase the long-term potential return of the portfolio but will also increase the risk of experiencing sharp losses due to unfavorable market conditions.  Our goal in designing portfolios is to provide options that will effectively balance these competing issues of risk and return.

2. Risk Tolerance Assessment

We assess financial risk tolerance allowing clients to clearly understand the risk / return tradeoff in their portfolio.  Clients can select from a range of portfolio strategies suitable for their appetite for risk.  

3. Strategy Selection

Using information obtained from the financial planning and risk assessment processes, clients are able to select an investment strategy that meets their needs from both a risk and return perspective.

4. Strategy Implementation

Portfolios are implemented with superior design characteristics including:

  • Capturing the benefits of both active and passive investment management styles.
  • Institutional quality investment manager selection and monitoring.
  • Tax optimization.
5. Monitor & Report

Our monitoring procedures are in depth, extensive, continual and designed to reduce suprises. 

Through the use of written investment policy statements, quarterly performance reports, annual tax reports and periodic market commentaries our clients know how their portfolio is managed and how it is performing.