We design and manage investment portfolios with a focus on achieving your specific goals, based on your time horizon while enabling you to live comfortably with the portfolio risk.

The firm’s investment philosophy is based on decades of academic research, which conclude:

• A portfolio’s asset allocation is responsible for approximately 92% of the portfolio’s return; market timing and security selection contribute a small percentage of the overall return.
• A broadly diversified portfolio including a large range of asset classes will produce the optimal risk-return profile.
• We focus on a long-term view of the markets and do not engage in; market timing, or market speculation, or pursuing the latest hot trend or product based on Wall Street buzz.
• We are not stock brokers and don’t claim to provide value to you by selecting individual stocks in order to ‘beat the market’ as we don’t believe this to be a successful long-term strategy.
  

We will structure a diversified portfolio encompassing a multiple-asset-classes strategy, with particular attention paid to maximizing the return given your risk tolerance, and minimizing taxes along with investment costs. We will use a disciplined rebalancing approach to managing your portfolio always taking into consideration your changing financial and tax situation.

We will use low cost, no load mutual funds and Exchange Traded Funds, ETFs, Exchange Traded Notes, ETNs, employing a passive, or indexing, approach to investing from such companies as Dimensional Fund Advisors, Vanguard, and Barclays Bank, with some actively managed funds utilized in specific areas where passive alternatives are not available.