Investment Management

Our process is one of selecting a mix of investments and asset classes that closely match an investor’s financial profile in terms of their investment objectives and tolerance for risk. It is based on the premise that the different asset classes have varying cycles of performance, and that by investing in multiple classes, the overall investment returns will be more stable and less susceptible to adverse movements in any one class. We are always on the look out for a company who trades at a compelling investment value as well as a stock that is breaking out of a 1-3 year trading range. Our total return approach seeks value as well as growth investment styles. All investments involve some sort of risk, whether it is market risk, interest risk, inflation risk, liquidity risk, or tax risk. An individualized asset allocation strategy seeks to mitigate the risks of any one asset class though diversification and balance. 

Some products are not suitable for all investors and involve significant risks. You should consider the fund's investment objectives, risks, charges and expenses carefully before you invest.


Investment Model Overview

The investment strategy we build is simple but powerful: to win by not losing. The portfolios developed aim to capture a greater proportion of the market’s up movements, while minimizing capture of down movements. We believe that over a longer period this method of investing will help investors keep emotions under control, thus keeping assets invested and continuing to accumulate wealth. The core of our investment strategy is based on the idea that avoiding a market precipice is essential to success, because the less the investor loses during downturns, the less they have to make up when the market rebounds. Our strategy is to promote growth while protecting against full participation in downward moves to reach our objectives. Our portfolio management techniques: always manage risk first, set objectives, know what you own, up and pull, break outs work, don’t be emotional and true diversification means different asset classes.


Our Research

Our firm utilizes an institutionally-based analytical process that reviews and analyzes: domestic and international indices, global developed and emerging markets, US and Global fixed income markets, and industry sectors. We also track and monitor 100s of securities, ETFs, and mutual funds; and utilize technical indicators and asset allocation modeling. And, we have access to many research departments on Wall Street. Our firm does not predict future market conditions, but instead focuses on understanding how the characteristics of our investment models perform given any market condition.


A Defined Approach

With a focus on risk-aversion we aim to deliver satisfying results with a more comfortable investor experience than traditional buy-and-hold strategies which are often susceptible to severe swings as they capture large portions of negative, as well as positive, market movements. At our firm, we accept the possibility of missing some of the upswings in order to minimize downside risk. Our investors have benefitted from the use of low and negatively correlated asset classes and money market positions to help manage downside volatility. And because we rigorously follow our model, investors know what to expect from us.


Individual Attention

When done properly, an investor’s allocation of assets will reflect his desired goals, priorities, investment preferences and his tolerance for risk. Asset allocation is an individualized strategy, so there really is no perfect mix of assets.  Each individual’s strategy is built on the careful consideration of the key elements of their financial profile:

  • Investment Objectives: What it is the investor hopes to achieve using his investment dollars – improve current lifestyle; achieve capital growth; fund a specific goal, such as a college education
  • Risk Tolerance: This reflects the investor’s comfort level with market fluctuations that can result in losses. Inflation risk and interest risk need to be considered as well
  • Investment Preferences: An investor may prefer one asset class over another based on a certain bias or interest towards the characteristics of that class
  • Time Horizon: The length of time an investor is willing to commit to achieving his objectives
  • Taxation: Investing in a mix of asset classes will have varying tax consequences


An Evolving Strategy

A sound asset allocation strategy includes periodic reviews.

About the only certainty when it comes to the financial markets is that they will change, and so will your financial situation.  Through market gains and losses, a portfolio can become unbalanced and it may be important to make adjustments to your allocation.  As people move through life’s stages their needs, preferences, priorities and risk tolerance change and so too must their asset allocation strategy.   

Asset allocation, which is driven by complex mathematical models, should not be confused with the much simpler concept of diversification.

Learn more about asset allocation by contacting us today.


Investment Management Oversight

  • Target performance that has the potential to be consistent, repeatable and sustainable
  • Asset allocation
  • Portfolio construction and customization
  • Monitor and adjust portfolios
  • Regular rebalancing as needed to maintain appropriate asset allocation
  • Monitor investor objectives and needs to keep portfolio on track


Customized Portfolio Management

Fee based asset management means less conflicts of interest. The portfolios we mange are held at Charles Schwab on their Institutional Platform. Benefits of Charles Schwab: 24/7 transparency with computer and mobile access to accounts, low transaction costs if any at all, supermarket of product solutions available, support team in place to handle many types of personal requests, and it is one of the largest and oldest adviser platforms in the industry.


Past performance is no guarantee of future results. Investments are subject to risk, and any of our firm's investment strategies may lose money. Asset allocation neither assures a profit nor guarantees against loss in a declining market. There are no assurances that any strategy will meet its objectives.