Philosophy

Our philosophy on money management is rooted in the foundation of building a diversified portfolio first and tactically shifting the portfolio based on current market conditions and expected future trends.  This, of course, is based on your goals and objectives for your accounts and your individual tolerance for risk.  We do not believe in relying solely on computer models and placing our clients in pre-determined, homogenized portfolios where you are one of many in that model.

We build customized portfolio’s using individual stocks, bonds, and exchange traded funds (ETF’s).   We understand that fees can erode investment performance over time so we focus on investments that keep costs down and trading commissions to a minimum.  Since we are not compensated based on commissions, mutual fund loads, or any other kick-backs our portfolios are constructed free of any biases and conflicts of interest.