Low Internal Costs

Our commitment starts with reducing and keeping investment costs low. When possible, we use Individual Stocks, Bonds and ETF's (Index Funds) to reduce internal portfolio costs. However, mutual funds will be used when appropriate.

Risk Management

We examine overall investment objectives, investment time horizons and risk profiles. We seek to determine the appropriate trade off of Risk/Reward and the probability of achieving goals.

Financial Planning

We believe and studies have shown Financial Planning brings significant value to your retirement performance. Though we have modeled portfolio strategies, we recommend you engage in a full financial plan, which models the impact of retirement distributions, portfolio longevity, volatile markets, taxes, etc.

Portfolio Rebalancing

Your portfolio positions are subject to periodic allocation changes dependent on market conditions and your personal goals and objectives.

Behavioral Management

We have experienced many market cycles. We look to help you navigate the “sometimes” extreme movements in financial markets. This requires patience and intelligent decision making that overcomes highly emotional reactionary decisions. Market history is filled with Hysterias, Manias and Panics. We seek to keep you engaged with your plan and objectives regardless of “market noise.” Historically speaking, “Bad Markets,” don’t last.