investing today insures a successful future (image of country road lined with trees in the spring)

Investment Approach

We believe that excellent long–term investment results can be achieved in all market environments by employing a disciplined and opportunistic investment strategy. The most important investment decision is how assets are allocated among different asset classes. Once the asset allocation decision is made‚ rigorous fundamental analysis is done to select the individual securities of our clients’ portfolios.

We take a long term approach with our investment strategies and focus not only on producing competitive long term return’ but on controlling risk and avoiding loss.

Asset Allocation

We spend a great deal of time getting to know our client and their investment objectives in order to ensure that our investment strategy will meet their needs. We work with our clients to determine their initial asset allocation’ and revisit it periodically to determine if there have been any significant changes which would require modification in the long term goals or investment strategy.

Tax Advantaged Investing

We invest primarily in individual stocks and bonds’ which allows us to control both tax consequences and transaction costs. In addition’ we use non-proprietary mutual funds to achieve exposure to certain asset classes such as international or small/mid cap stocks and to take advantage of specialty niches or opportunities.

Some of our clients have portfolio with concentrations in one security. We work with those clients to formulate a rational diversification plan’ taking into consideration both tax consequences and each client’s risk tolerance.