Core Philosophies

We strive to gain a deep understanding of your life goals and emotional needs to make prudent investment recommendations as fiduciaries.

Investing can be emotional. Therefore, your investments should not be based solely on a risk profile questionnaire. Your investments should consider your tolerance for risk, but also the required risk to meet all of your goals. We strive to gain a deep understanding of your life goals and emotional needs to make prudent investment recommendations as fiduciaries.

Our investment approach focuses on cost-effective, after-tax results, recognizing that the only performance that matters is the kind you actually receive. We maintain an agnostic foundation to the investment approach with the primary concern being the after tax net return it delivers. Our team specializes in a variety of approaches that include customized portfolios, alternative investments, fixed income strategies and options strategies to reduce volatility and risk where appropriate.

As a registered independent advisor, we also serve as a fiduciary, a legal standard by which we must employ the highest standard of care when it comes to advising you.

In the world of institutionalized money management, much attention has been paid to the idea of managing risk. Investors have been conditioned to believe that mutual funds and other products can mitigate risk and deliver “predictable” returns that parallel popular historical indexes.

There’s a fundamental flaw in this logic: Risk is not a number. It’s a concept; and it can’t be effectively “managed” without limiting the potential in an investment portfolio.

Rather than reacting to the perception of risk, the real focus of investing should be understanding market volatility and accounting for it in decision-making. In contrast, modern portfolio theory seeks to minimize risk through over-diversification. It looks backward at volatility, and manages assets to an acceptable benchmark. And too often, the results are unimpressive.

Planning for volatility means we have to think differently and make better decisions. We’re curious in our study of the global economy, creative in the way we identify opportunities, diligent in our research, and intentional in our allocations. We focus on the things we understand—and look beyond conventional wisdom. As thoughtful and active managers of every client’s allocation, we pay attention to every transaction.