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Investment Management

 “The essence of investment management is the management of risk, not the management of returns."  - Benjamin Graham


Asset Allocation – Your plan and specific needs will determine your investment strategy. Asset allocation is the process of selecting a mix of asset classes that closely matches an investor’s time horizon and tolerance for risk.  We believe that assets should be evaluated in the context of their impact on the overall portfolio, especially since asset classes perform differently over the course of full market cycles.

Portfolio Implementation – Our clients have varying levels of wealth, investment experience, and financial needs. We believe in low-cost, consistent exposure to efficient markets.  In order to achieve this, we tend to utilize ETFs (exchange-traded funds).  We also believe that most investments should have designated entry and exit points and we utilize technical strategies in order to apply this philosophy.  We do not try to forecast market performance since we believe fundamentals drive performance over the long run.  We do, however, use technical analysis to analyze trends and ensure our investment process remains without emotion – making it as “mechanical” as possible.

Rebalancing – We establish re-balancing provisions in order to ensure that portfolios do not stray too far from their intended allocations.

Monitor & Review We offer our clients Quarterly and Annual Review sessions. During these meetings we not only discuss how the portfolio is performing, but more importantly, how it is interacting with the client’s overall financial plan.

Before investing in ETFs and mutual funds, investors should carefully consider a fund’s investment objectives, risks, charges and expenses.  Fund prospectuses contain this and other information and may be obtained by asking your financial advisor.  Read prospectuses carefully before investing.