Our Philosophy & Process

Our philosophy is rooted in our beliefs. We believe it is our duty to honor our “fiduciary oath.” We believe it is our duty to have a solid understanding of our clients. They come to us with pre-determined biases, concerns, goals, needs, dreams and financial tendencies. Some of these will change over time and some will not. As a result, we are vigilant in our responsibility to explore who our clients are and what they aim to achieve. Using our three–pronged approach: Explore, Execute, Educate & Monitor, we carefully calibrate client data with current market conditions, economic indicators and other external factors, to create a well orchestrated plan consistent with client goals and risk tolerance level.

Our investing style is grounded in core tenets that support our overall philosophy :

  • Diversification and Asset Allocation are crucial.
  • Market Timing: sometimes it works and sometimes it doesn’t. Knowing when to employ certain strategies is key. Some of these strategies include; periodic investing, dollar cost averaging, lump-sum investing, periodic rebalancing, tolerance rebalancing, cash flow limited rebalancing.
  • Know thy Client: In determining whether to utilize an active or passive management approach, we will review various factors such as portfolio turnover and taxes, volatility, liquidity and transaction costs, income and capital gains.

Our investing style is grounded in core tenets that support our overall philosophy :

  • Diversification and Asset Allocation are crucial.
  • Market Timing: sometimes it works and sometimes it doesn’t. Knowing when to employ certain strategies is key. Some of these strategies include; periodic investing, dollar cost averaging, lump-sum investing, periodic rebalancing, tolerance rebalancing, cash flow limited rebalancing.
  • Know thy Client: In determining whether to utilize an active or passive management approach, we will review various factors such as portfolio turnover and taxes, volatility, liquidity and transaction costs, income and capital gains.

OUR PROCESS

EXPLORE

Analysis of present financial situation and investing views, clarify and prioritize needs/goals, assess risk tolerance and time horizon, gather data.

EXECUTE

Create and implement investment strategy that aligns with overall financial plan.

EDUCATE & MONITOR

Communicate with clients regarding market conditions, economic updates and portfolio reporting. Continuously monitor accounts and overall financial plan.