We believe our clients are best served with a diversified investment portfolio designed to help preserve their assets in down markets while enabling them to participate in market gains during rising market cycles.
We conduct an individual needs assessment which allows us to tailor investment strategies to each client based on their risk tolerance, financial condition and ESG/SRI criteria.
We construct client portfolios using a fundamental approach to asset allocation. We have the flexibility to utilize, but are not limited to, stocks, bonds, ETFs, mutual funds and cash alternatives.
We practice strategic and periodic rebalancing of portfolios as economic conditions, or personal goals change. We believe in maintaining deep understanding and relationships between ourselves and our clients. Frequent communication is critical to this process.
Fundamental analysis considers economic factors including: Gross Domestic Product (GDP), interest rates, inflation, inventories and unemployment. It also considers industry factors such as: earnings, sales and products. As independent advisors, we value and utilize fundamental research from fully independent research providers.
We utilize both active and passive strategies in construction our portfolios. Active management places an emphasis on individual security selection to add value or mitigate volatility where possible. Passive management tracks the performance of market indices such as the S&P 500, the Barclay's Aggregate Index or the Russell 2000 Index, capturing the theory that markets are efficient.
Our investment due diligence and monitoring process utilizes a set of quantitative due diligence criteria selected to reflect prudent fiduciary management. The criteria include total returns, risk-adjusted returns, expenses and other portfolio statistics. Furthermore, we are conscious of the tax impact of the recommendations we make. Our personalized approach allows us to incorporate your existing legacy positions into a more tax efficient long-term plan.
We are mindful of the impact fees can have on long-term performance of your portfolio, and they are but one of the criteria for inclusion in our portfolios. When using actively managed funds, we always use the lowest cost share class available to us.