Our investment strategy provides a lifetime integrated financial experience designed to meet your goals and objectives.

We have a distinct investment strategy, which is rational and successful. To develop an investment plan for you, we first focus on learning about you.

We recognize that some things can be controlled and others cannot be controlled.

Things that Matter

We want to really understand what matters to you, such as growing or preserving the wealth you have already achieved, saving for retirement, saving for college education for children or grandchildren, the timing of your retirement distributions, charitable giving or how much money you desire to leave to your children. We cannot plan for you until we understand your priorities and concerns.

Together, we can control and impact your:

  • Investment performance, by adhering to our investment strategy
  • Asset allocation (percentage of your assets in stocks, bonds, etc.)
  • Amount of risk you want to take
  • Costs of your investments
  • Taxes caused by your investments

We cannot control the movements of the stock market.

  • It is extremely difficult to reliably and consistently, over a long period of time, accurately forecast the stock market’s direction, the movement of a specific stock or predict the short term movement of interest rates.
  • We accept the reality that we do not have a perfect crystal ball. We think this is rational and logical.

Some of our core investment beliefs:

  • Our disciplined investment approach prevents this from occurring.

    Our disciplined investment approach prevents this from occurring.

    We focus on the long term, not on what will happen in the next day, week or month.

  • To build wealth, you must look beyond the concerns of today (as every “today” has its set of problems and issues) and invest for the long term.
  • To have a positive long term investment experience, we work with you to provide the discipline that is needed to invest properly, both in up and down markets. We assist you in having the needed discipline through discussions and education throughout our relationship.
  • As no one knows exactly which stock, country or asset class will outperform in any given time period, we recommend a broadly diversified global stock portfolio. Diversification is a key aspect to our investment philosophy and implementation.
    • This type of portfolio will provide you with the best expected investment experience.
    • 5 Big Questions - Carl RichardsWe structure your portfolio based on your ability, willingness and need to take risk and then create a portfolio which will have the greatest expected returns over the long term, while reducing your risk.

We provide great value by:

  • Developing your asset allocation plan to optimize your stock exposure and minimize your risk, aligned with your need for comfort and security.
  • Utilizing very low cost investments, as most investors don’t realize the hidden costs of their investments.  We don’t invest in anything with front or back end loads or sales commissions.
  • Focusing on reducing your taxes through our investment strategy and the placement of certain investments in retirement or taxable accounts.
  • Using tax-managed mutual funds which maximize your after-tax returns (which is really what counts)

For your long term success, we develop and agree upon a written investment plan for you.

  • This is not a long, fancy document in a binder. It is a practical roadmap.
  • The investment plan provides long-term discipline and focus to reduce the emotions of decision-making.

For fixed income allocations we recommend safe and secure investments.  

  • Safety and return of principal are the key factors in fixed income investing.
  • We do not take excessive risk in fixed income. Academic data clearly shows that reaching for a higher interest rate (over safer, higher rated securities) is reflective of the greater risk of the investment product (and the greater risk that your principal will not be fully returned to you).
  • Risk is commensurate with reward. We feel risk should be taken in stocks, not in fixed income. Higher yielding fixed income investments subject you to risks that are usually not worth the reward.
  • We generally recommend individual fixed income investments, like CDs, very highly rated government and corporate bonds, not bond mutual funds. We adhere to this strategy because when interest rates rise, the value of bond mutual funds decline. The greater the rise in interest rates, the more significant the loss of the bond fund value. With individual fixed income securities, this risk is eliminated when a security is held to maturity.