Overview

We focus on long-term investing to achieve client goals within the framework of their risk tolerance, available assets, and investment time horizon. We use a top down management approach and establish targets using the following framework:

Asset Allocation

One of the critical steps in our investment process is working with our clients to determine both risk tolerance and risk capacity. This, combined with an investment time horizon, helps inform the decision of how to allocate assets between equities (stocks) and fixed income (bonds). This asset allocation is tailored to a client's needs.

Sub-Asset Allocation

Sub-Asset Allocation is the process where we evaluate the industry sectors, foreign vs domestic, market capitalization (size), and valuation metrics to determine the appropriate blend to achieve effective diversification amongst equities.

Within the fixed income portion we evaluate the blend of government vs corporate vs mortgage backed securities as well as reviewing the yield curve and credit quality to achieve the appropriate risk profile.

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Security Selection

Once the Asset Allocation and Sub-Asset Allocation are completed, the final step in the investment process is to select the individual securities that fit the desired profile.

We select the securities that best fit the target profile for quality, valuation, and diversification while maintaining our long term, deliberate, focused investing outlook to best achieve our clients' financial goals.