We place a greater emphasis on helping clients pursue their long-term goals with reasonable risk-adjusted returns rather than taking on the extra risk associated with trying to “beat the market.” 

• We believe the question, “Am I on track to meet my goals?” is a much more important question than, “Did I beat the market?”
• We help clients identify their short- and long-term goals, then develop a plan specifically tailored for them.

Risk

We do not view temporary price fluctuations as risk.  Rather, we define risk to include:

• The risk of our clients not meeting their goals.
• The risk of principal invested.  We seek to employ time-tested, risk mitigation techniques in portfolios of almost any size.
• Inflation risk or the risk of income and assets not keeping up with rising expenses over the client’s lifetime.

We help clients take a long-term approach to investing, using asset allocation, diversification, and professional investment managers to help mitigate overall portfolio risk. 

• While asset allocation and diversification do not ensure a profit and may not protect against loss, they can play a key role in establishing a sound investment strategy and reducing risk. 

Time in the market, as opposed to timing the market, can play a key role in investor success; therefore, we focus on long-term strategies rather than trying to buy and sell based on predicting what the market might do in the short term.