We build, implement, and maintain your investment portfolio as part of your comprehensive financial plan.
Our objective in making fiduciary recommendations is to help you achieve the long-term returns you need to meet your goals while keeping taxes, fees, and costs at a minimum. We receive no commissions or kickbacks for the services we provide.
Our investment management services commonly include:
- Strategic model portfolios so your portfolio is efficiently diversified and allocated to succeed through volatile market and economic conditions.
- Dividend growth stock portfolios so prudent investments are made in companies with a track record of paying and growing dividends, thereby generating cash flow regardless of market cycles.
- Tax-efficient asset location so your investments are strategically placed in the most efficient investment accounts to help reduce your taxes.
- Household rebalancing so your portfolio allocation across all accounts remains consistent with your long-term goals. We serve as your coaches in removing emotion from buy-and-sell decisions and maintaining discipline in working toward long-term success.
- Cost-efficient investments so you can keep more of your money. We employ a combination of individual stocks, low-cost index funds, exchange-traded funds (ETFs), and no-load or load-waived mutual funds.
An Investment Philosophy to Help Achieve Your Goals
We are committed to a thoughtful and long-term approach in helping to build and protect your wealth. We adhere to the following principles in designing your investment strategies:
- Protect against serious losses for long-term success. Successful investing starts with a focus on risk management and wealth protection.
- Do not overpay for potential growth. The current price is more important than the expectation for growth.
- Be patient and let opportunities come to you. As Warren Buffett said: “Be fearful when others are greedy, and greedy only when others are fearful.”
- Recognize the investing environment in relation to business and economic cycles. Understanding past cycles and market environments can provide a framework to determine present risks and investment opportunities.
- Control what you can. A well-defined and disciplined process is controllable, but the future is not. Remove emotions from your decision-making; hope is not an investment philosophy.