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Investment Management

We believe that successful investing is about consistently making quality decisions; in which investor psychology typically plays a significant role. Providing ongoing client education and maintaining clear lines of communication aids in keeping the objective in sight.

Investment Process Overview

After listening, and seeing the future through our client's eyes, we construct a portfolio that not only takes into account future expectations, but risk tolerance as well.  At this point, the role of the portfolio is clearly defined and should dovetail into their overall financial plan.

Each portfolio is well diversified to reduce volatility, and is appropriately allocated in the right mix of investments; designed to achieve the goals of our clients.

We look at a number of factors when evaluating assets, primarily focusing on buying equities at times when we perceive them to be undervalued.

Portfolio Research

Security Selection:

There are generally two schools of thought regarding security selection:

Fundamental Analysis:

This is the tried and true method of valuing a security based upon its merits.

Bottom up fundamental analysis: conducts analysis at the company level.

We ask questions such as:

  • What are the past present, present and projected earnings?
  • Is there a consistent history of earnings growth?
  • Has it reliably raised its dividend?
  • What are the current and potential weaknesses and strengths that may influence its value?

Top down fundamental analysis: takes on a macro look, focusing on markets and economies.

We ask questions such as:

  • What markets seem more attractive (eg. domestic, international)?
  • What is the outlook for market sectors (eg. consumer staples, industrials, technology) and is there a reason to overweight one sector vs. another?
  • What direction could interest rates head?
  • How available or tight does credit look?

Technical Analysis:

This is the study of securities by looking specifically at price and volume. By using charts and other metrics, technicians strive to gain insight into the “feeling and emotions” of the markets in order to gage the direction and momentum of the security they are following. This practice is generally associated with market timing.

Portfolio Construction:

We draw upon top down fundamental analysis to influence our asset allocation, and primarily bottom up fundamental analysis for stock selection. Lastly, technical analysis can provide information into market sentiment and general trends.

For the last 20 years we have employed the same investment strategy utilized today. Through the “Tech Wreck” and “The Great Recession,” we have leaned upon our investment strategy, and prudent wealth management to meet the ever changing needs of our clients.

Account Structure & Fees


The primary account structure is offered as fully discretionary, meaning that the investment advisors have the authority to buy and sell on behalf of the client in an ongoing effort to achieve the account objective. This objective is outlined in an investment policy statement that is agreed upon before any investing takes place.

When taking on the role as investment advisors, we are acting as fiduciaries and have a legal responsibility to do what we believe to be in your best interest.

Fees & Investment Minimums:

Our investment management fee is assessed as a percentage of the assets under management. This fee is charged quarterly, and is agreed upon with the client at the time of service. We advocate for fee transparency, and believe that any solid business relationship is built upon a mutually appreciated exchange of service for value.

Due to our high degree of customization and our inclusive wealth management services, we have a $250,000 investment minimum