Investment Strategy

Our investment strategy, based on our investment philosophy  is used to create specific investment portfolios uniquely suited to the client circumstances.  Our investment strategy process is as follows:

1. Set the investment asset allocation for major asset classes based on long-term investment goals, risk tolerance and time horizons.
2. Utilized low cost ETFs, exchange traded funds, that invest in broad segments of the markets. These are efficient and effective ways to invest across many market segments while using the benefits of diversification to minimize specific company risk.
3. Diversify across many companies, assets and geographies. Utilize Modern Portfolio Theory to enhance potential investment returns for each level of risk. Invest globally across a broad range of assets that do not move in unison.
4. Minimize turnover. This will help ease taxes and transaction costs.
5. Rebalance as needed to stay within targeted portfolio allocations.
6. Continually monitor financial markets. Seek out better investments. Utilize a proprietary systematic approach to identify risks or opportunities presented by the marketplace. Take advantage of these opportunities as appropriate within well-defined parameters.
7. Buy and own only investments with low fees with no sales commissions.
8. Monitor and maintain the right level of risk in the portfolio. Stay disciplined by cutting back positons to targets weights when prices exhibit strong and sustained gains to keep target weights in place.
9. Life changes will drive the major investment changes, not financial markets or the status of the economy. Over time our financial lives can change.  If or when that happens we will assess and make measured changes as appropriate to the investment portfolio.