“It's funny how, in this journey of life, even though we may begin at different times and places, our paths cross with others so that we may share our love, compassion, observations, and hope. This is a design of God that I appreciate and cherish.” 

- Steve Maraboli:  Reflections on Life and the Human Experience


Our Investment Philosophy

In a highly volatile investment world, how can you build a plan for long-term success?

What does it take to sift through thousands of investment opportunities and identify the relative handful that complement your specific goals, time horizon and risk tolerance? Where can you find experienced, specialist portfolio managers who will add value to the investment process and help keep your plan on track?

We believe that a consistent, disciplined approach to portfolio management offers the best chance for success.  For every client, a tailored investment strategy is developed, incorporating asset allocation and diversification options to meet your precise needs. You can benefit from access to sophisticated investment strategies and top-tier investment managers including some that are not typically available to individual investors.


Our Approach

We develop a Customized Wealth Management Plan and Retirement Forecast Report for each client.  The Customized Wealth Management Plan sets objectives and defines how and why the portfolios are constructed. It includes portfolios with strategies that balance their goals against their risk tolerance.   The portfolios can be highly engineered to manage the impact that taxes have on clients in higher tax brackets.  Our Retirement Forecast Report is a hypothetical projection of their plan, from today through their retirement years.  Our approach can contribute to less financial stress because it helps our clients paint a picture that shows them how their life and their children’s lives may be enriched.  We find it very rewarding that we are able to help them seek to enjoy the fruits of their labor.


Managing Your Wealth to Support Your Life

We use an holistic approach to wealth management. The objective is to help manage your wealth in a manner consistent with helping you achieve your life goals. Your dreams, desires and means are our guide. They provide the context for all of our recommendations and direct everything we do on your behalf. Utilizing our specialized discovery process, we can prepare a custom proposal that makes specific recommendations for investment strategies and overall management of your assets.

We see you, your life, and the way you should invest from a very personailzed perspective. Where you want to go in life – and managing the risks that can hamper your progress – are what really matters. Here are the five steps we’ll take to strive to help get you there:

(1) In Discovery we’ll help clarify your life goals, and arrange them by timeframe and priority. We’ll explore how specific goals fit into the greater picture of your life and we’ll

challenge your previous investment assumptions if they only focused on your immediate financial concerns.


(2) Then we’ll Assess the needs and issues surrounding each of your goals and develop a clearer perspective of what needs to be done. You’ll have increased clarity regarding your risks as well as your opportunities.


(3) Together, we’ll Evaluate options and select from numerous goals-based scenarios that reveal how you can ultimately use your wealth to pursue your most significant objectives.


(4) We will work within a disciplined environment to Implement a program whose elements remain consistent with your life’s goals. We’ll help you make your vision come to life.


(5) By Monitoring & Adjusting your program, we’ll help you anticipate and deal with life’s inevitable changes. We’re prepared to help with the unexpected, and ready to recommend options for adjusting your life and wealth program to ensure that it continually supports the way you want to live.


Strategies for Nearly Every Goal

Building and managing wealth – the universal goal of all investors. Wherever you fall on the investor wealth cycle – just getting started, finding your stride at midlife, or slowing down and starting to spend – you have one overriding need. An investment strategy that you can live with in various markets and that will help take you where you want to go.

These strategies are built with your goals in mind. They use a proprietary goals-based approach to investing that helps to keep you focused on long-term goal pursuit versus short-term performance.


Stability-Focused Strategies – Seeking to Preserve Your Wealth

Designed for investors with shorter time horizons, the Stability-Focused Strategies are designed to meet the needs of investors who want to minimize downside risk. There are a variety of portfolios across the wealth-preservation segment of the risk-return spectrum.

Investors in these strategies generally have a shorter time horizon and can’t afford heavy losses. Which of these profiles sounds most like you?

  • I have a low risk tolerance and a shorter time horizon, so I must minimize the risk of loss.

  • I have a moderate tolerance for risk and am willing to accept minimal volatility for some level of desired growth.

  • I am a risk-tolerant investor who can accept slightly more volatility in exchange for desired moderate growth.

The overarching objectives of the Stability-Focused Strategies are to reduce downside risk and smooth the ride for the investor. We aim to accomplish those objectives using a risk-management process that seeks to preserve the value of the portfolios and lower the overall volatility. The portfolio managers work within predefined risk thresholds that are adjusted as necessary. A “drawdown” feature seeks to lower the risk profile during periods of high volatility, potentially helping to preserve principal and allowing you to proactively stay ahead of volatility.


Growth-Focused Strategies – Seeking to Build Long-Term Wealth

Designed for investors who seek to accumulate assets over the long term, the Growth-Focused Strategies are aimed at building wealth. There are portfolios across the growth risk-return spectrum, so whatever your risk tolerance, you could benefit from the potential for growth.


Investors in our Growth-Focused Strategies generally have longer time horizons. Goal fulfillment is many years or even decades down the road, and the investor will have time to recover from short-term losses in periods of high market volatility.

Here’s a way to weigh the tradeoff between growth potential and risk; which of these profiles best describes you?


  • I have a low risk tolerance and am willing to accept minimal expected growth in exchange for lower volatility.

  • I have a moderate risk tolerance and am willing to temper my desire for growth in exchange for a corresponding reduction in volatility.

  • I have a strong tolerance for risk, and my goals are sufficiently long-term that I am willing to accept higher volatility in exchange for potential growth.


The profile you select will help determine which of the Growth-Focused Strategies may be most appropriate for you and your goals.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

No strategy assures success or protects against loss.