Our Investment Management Philosophy and Process

There is a dizzying array of individual stocks, thousands of mutual funds, dozens of annuity companies, constant tax law changes and millions of webpages competing for investors attention. What is one to truly do to ensure that their investment direction will get them closer to their goals?

Our mission is to provide investors like you with the most appropriate investment strategies to help you pursue your goals by providing stellar due diligence and investment management. At the core of our belief is that there is no such thing as "one-size-fits-all". Each individual client has personal preferences and expects personalized responses towards their investment needs.

Our experience tells us that a disciplined and diversified approach to investment management offers the greatest potential for investment success. At the foundation of our integrated wealth management is a rigorous and systematic process. This incorporates prudent investment management along with a focus on utilizing your total wealth that seeks to deliver strong risk-adjusted returns.

The process begins with the appropriate asset allocation models charting itself along the optimal efficient frontier allowing for the appropriate level of return given the assumption of risk a client would accept. Portfolios are then constructed utilizing investment managers and/or index investments and vehicles with a global outlook that adhere to the core principles uncovered during our due diligence. The principles include a screening of the management’s parent company for stewardship, the peer-performance ranking of the manager for that investment style, and the manager’s quantitative and qualitative background. In core investment portfolios that are structured towards passive indexing, we utilize portfolios that have low tracking errors, low cost and expanded diversification. Our goal is to add value to your portfolio in the most prudent manner possible.

Ongoing management of your investment program is crucial to ensure that you are on track with your goals. The asset allocation and investment policy statement is reviewed on an annual basis or more often when necessary. Portfolios are rebalanced as they fall out of their variance levels and investments are readjusted accordingly. As the economy moves through their cycles, we have the expertise to create, maintain and adjust portfolios and the industries involved based off of what matters the most: How to ensure that you will best pursue your financial objectives.

Strategic Asset Allocation

We are committed to proper diversification and asset allocation.

True diversification allows us to combine multiple assets who's volatility and returns are uncorrelated in an effort to provide a portfolio that may achieve a stronger rate of return while taking on less risk.

As the majority of our clients are long-term investors, we utilize strategies such as equities, bonds, real estate, cash and other natural resources. We then diversify these holdings further by management style, company size, location and global reach.

Tactical Portfolio Rebalancing

In such a fast-moving world, change seems to be the only constant. As markets react to geopolitical issues, company specific concerns or through the market cycles, our portfolio managers determine whether it is of concern to alter the portfolio composition.

This may be in an effort to manage risk or when a compelling opportunity opens.

These shifts are always fully communicated with our clients to keep them part of the process.

Managing Risk

There are times to take advantage of market opportunities and there are times when the priority is to simply avoid market risk. Sophisticated investors know that all investments carry some form of risk but that doesn't mean that a fluctuating market should guarantee it.

We employ a fundamental and research-driven approach to managing assets. While preservation of assets is of paramount concern, we believe that it is more advantageous for the client to limit the downside loss than to speculate on potential gains. We employ methods to control risk to our best abilities.

*Investing involves risk including the potential loss of principal. No investment strategy, including asset allocation, can guarantee a profit or protect against loss in periods of declining values.

*Rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment.

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