We offer personalized investment strategies designed to meet the needs and risk tolerances of our private clients.  Our goal is to provide balanced investment solutions which are meaningfully diversified and include global exposure.  Disciplined asset allocation strategy is an essential part of our approach and we tailor solutions to each client’s individually customized investment plan.   We achieve this through a process which primarily involves adjusting the exposure to the following general categories of investment choices:

Traditional Investments - Mutual Fund / ETF Portfolios

Our in-depth mutual fund research effort supports our tactical style of managing mutual fund portfolios.  Extensive use is made of the Morningstar database and supplemented with direct contact with individual fund companies.  Portfolios are rebalanced and re-allocated on a discretionary basis.  Although we recognize that market timing can be very difficult, we are not willing to passively wait out major market declines, so at times our style is moderately active.  We prefer a minimum account size of $100,000.00 but can accommodate smaller accounts when part of a family group.  TD Ameritrade Institutional is our exclusive custodian for private mutual fund accounts.

Alternative Investments – Managed Futures Funds

We believe that overall portfolio risk can be reduced when alternative investments are included.  Investing in Managed Futures Funds has been our preferred strategy in this area for many years and we continue to recommend a meaningful exposure for our high net worth clients.  We believe that true non-correlated diversification can be achieved with this asset class.

Guaranteed Investments - Fixed Annuities*

Unlike the overly complex world of Variable and Indexed Annuities, Fixed Annuities can offer the opportunity to realize a very simple and straight forward fixed rate of return with annual compounding and tax deferral.  These contracts are offered by a large number of US insurance companies and come with distinct features.  This is where we look to find a home for “safe money”, which most of our clients recognize should be an important part of their holdings, and we have developed considerable experience and expertise in doing so. 

* Guaranteed by the claims paying ability of the insurance company.