If one advances confidently in the direction of his dreams and endeavors to live the life which he has imagined, he will meet with a success unexpected in common hours. He will pass an invisble boundary; new, universal and more liberal laws will begin to establish themselves around him; and he will live with the license of a higher order of beings.
Henry David Thoreau
What We Do
Our client relationship begins with a financial roadmap which is built upon each individual’s personal values and objectives. Our role, throughout the client’s wealth management experience, is that of your personal coach, recruiting the best players for each position on your team and moving the process toward the goal by creating and executing your strategic game plan.
The game plan drives the investment strategy. While many advisors start by investing your money, we start with building your game plan. Only after we know what’s important to you and what you want to accomplish with your wealth, can we build an investment policy that makes sense.
We believe that Value investing will continue to provide superior returns over time with less volatility. Earnings growth drives stock prices. However, fear and greed create headwinds and tailwinds that allow stock prices to deviate, sometimes significantly, from fundamental valuations. At the end of the day, our clients allow us to help them manage both of these emotions. Time in the market is more important than timing the market. The worst mistake an investor can make is to get out of the market during market corrections. We use portfolio models to achieve our client objectives. Each model is back tested to determine how it fared during previous market downturns. Therefore if we match the client with the correct risk model, we improve our chances of keeping the client invested. Nevertheless, we will adjust our strategic models from time to time by changing tactical weightings of our holdings based on where we are within the economic cycle. We also continuously review our portfolios and replace fund managers or ETF’s as appropriate based on relative performance among peer groups.