How We Work
Our work is deeply rooted in relationships – it is how we discover what our clients value most in life and business. We are fiduciaries, which means we always act in our clients’ best interests. Our wealth management process is straightforward and stands on three foundational pillars.
Investment Objectives Plan
The Investment Objectives Plan is the cornerstone of our client-advisor relationship.
This document details what we know about you, the scope of our financial planning services and our investment strategy recommendations.
Define Goals
Understand Risk Tolerance 
Communicate Recommendations
Identify Opportunities
What We Focus On
Asset Allocation
Research indicates ~90% of portfolio performance is attributable to asset allocation. It is by far the most important investing factor we can control. We focus on 7 primary asset categories to construct portfolios:
- Cash
- Fixed Income
- Preferred Stock
- Domestic Equity
- Developed International Equity
- Emerging Markets Equity
- Alternative Investments
Each asset class has unique return, risk and correlation attributes. Your investment portfolio will have strategic asset allocation targets designed to achieve your financial plan.
Security Analysis
As an independent firm, there are no constraints on our investment management. As fiduciaries, our primary concern is determining the most appropriate securities for your investment portfolio.
Our research indicates both passive (index-based) investing and active management have merits. We analyze each asset class independently to determine which approach is most advantageous, then utilize screening techniques to identify the most attractive securities.
The publicly traded opportunity set is enormous. As of 2024, global fixed income markets exceeded $140 trillion and global equity markets exceed $120 trillion. The United States represents more than half of the global equity market.
Third Quarter, 2026
The third quarter was marked by an unusual combination of continued economic growth, persistent inflation, rising interest rates, and strength across global equity markets. Consumer spending remained firm, business investment remained strong, and corporate earnings advanced. Markets were mixed, with the S&P 500 gaining 2.3%, developed international markets returning 0.8%, and preferred stocks rising 0.3%. Emerging markets declined 0.4%, while fixed income fell 3.5%. Second-quarter real GDP increased at a 2.2% annualized pace, while the [...]