Our investment philosophy is goal-focused and planning-driven – sharply different from an approach that is market-focused and current events-driven.  We neither attempt to forecast the economy nor try to time the markets.

All of our relationships begin with a set, dynamic planning process and evolve as your needs evolve.  This is crucial in order for us to gain an accurate understanding of your full financial picture.  Once we have a formal plan in place, we craft a customized strategy to help you pursue your short-term and long-term financial goals. 

We incorporate a variety of investment, cash flow, and estate planning strategies.  We seek to create a balanced, diversified portfolio with exposure to a variety of asset classes to help mitigate risk.  We pursue your needs through an open architecture platform, allowing us to access and objectively evaluate a broad universe of investments. 

We use a variety of investment vehicles to help you pursue your goals, including, but not limited to, common stocks, preferred stocks, bonds, mutual funds, exchange traded funds (ETFs), and – where appropriate – alternative investments, including private equity and real estate.  We evaluate macro and fundamental research to identify quality stocks and style (growth versus value).  We take a long-term view of investing and focus on companies that have a history of strong free cash flow, profitability, and that we believe have growth prospects.  Most of the stocks we propose have a proven track record of consistent earnings and flexibility to pay and potentially grow their dividends.  We also believe it is essential to not only diversify across asset classes, but within asset classes as well. 

Diversification and asset allocation do not ensure a profit or protect against loss.  Changes in market conditions or a company’s financial condition may impact a company’s ability to continue to pay dividends, and companies may also choose to discontinue dividend payments.  Alternative investments involve a high degree of risk, often engage in leveraging and other speculative investment practices that may increase the risk of investment loss, can be highly illiquid, are not required to provide periodic pricing or valuation information to investors, may involve complex tax structures and delays in distributing tax information, are not subject to the same regulatory requirements as more traditional investments, and often charge high fees, which may erode performance.  An investment is appropriate only for investors who have the capacity to absorb a loss of some or all of their investment.