Investment Philosopy

We believe your wealth does not begin and end with the investments in your portfolio. It includes your family, your business interests, and your philanthropic pursuits. Our concept of wealth management keeps your total picture in view. We specialize in the creation of comprehensive financial plans – plans that also include retirement and estate planning needs, saving for a child's education and tax minimization concerns.

Our practice is governed by "Core Beliefs". These include:

1. Client Dedication
2. Personal Service
3. Financial Planning
4. Suitable Recommendations
5. Full Disclosure

The investment process we follow includes a number of steps:

Profiling and Education
- In-depth discussion of your financial situation, time frame, risk tolerance, goals and expectations
- Complete Investment Policy Statement
- Complete financial, retirement, family protection and estate plan as required
- Consult with estate planning, tax and legal professionals as required

Asset Allocation
- Select appropriate distribution of assets based on your investor profile

Investment Selection
- Select and implement specific investments appropriate for your strategy

Investment Management
- Monitor investments, market and economic changes
- Recommend changes in investments to maximize returns within your risk profile

Regular Portfolio Review
- Performance vs. Indices and Stated Goals