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 2021, global fixed income markets exceeded $120 trillion and global equity markets exceed $100 trillion. The United States represents just over half of the global equity market.
First Quarter, 2023
Capital markets began 2023 on a positive note, with most indices achieving first-quarter gains. Volatility was high however, caused by banking sector issues, inflation, monetary policy and recession concerns. It has been more than 30 days since Silicon Valley Bank and Signature Bank failed. Media coverage has been broad, so we will not reiterate what has already widely been reported. Instead, we will add a brief perspective. The bank failures were primarily due to [...]