Investment Philosophy

Our clients are overwhelmed by their choices. After all, in today’s complex financial world, they have a spectrum of investment alternatives from which to choose - from individual securities to mutual funds to professional money managers. Many of them have little time to devote to managing their investment portfolios. We can help.


  • We provide customized planning solutions that are tailored to fit each client’s unique need and circumstance.
  • We’ve made a commitment to excellence in everything we do. At all times, we work to meet - then exceed - our clients’ expectations.
  • We serve as advocates for our clients, not for a big Wall Street firm or insurance company.
  • We strive to anticipate client needs and solve problems before they arise.
  • We are financial coaches, helping our clients manage the longterm decisions that ultimately determine the wealth they and their families may accumulate.


It has been our experience that investment success is usually determined through an unwavering commitment to a set of clearly defined investment principles. Collectively, the principles listed below define our investment philosophy:

  • Achieving financial goals is the result of developing a consistent longterm plan and then sticking to it.
  • Financial Planning provides direction and discipline.
  • It’s just as important to reduce risk as it is to increase returns.
  • Pension protection and long-term care are important elements of the risk management process.
  • Asset allocation is our preferred method for managing risk. It also seeks to maximize the performance of your investment portfolio using diversification and disciplined investing.  However, using an asset allocation methodology does not guarantee greater or more consistent returns. 
  • The strategies used to generate retirement income are entirely different than those used to accumulate wealth.