Investment Management

For our investment management services we integrate life-centered financial plan development with ongoing portfolio management. Once we understand your goals, we will develop a dynamic investment strategy that you can understand. We establish a written policy statement for each of our clients that clearly defines how your investments will be allocated.  Our investment philosophy includes the following:

• Investment strategy will be based upon Nobel prize winners Eugene Fama and Kenneth French
• Markets are efficient
• Stock generate a premium versus bonds
• Value stocks generate a premium versus growth stocks
• Small capital stocks generate a premium versus large company stocks
• Companies with larger profit percentages provide premium versus other companies
• Don’t try to time the market
• Diversification is your friend
• Purchase low-cost investments
• Purchase tax-efficient investments

• Select the appropriate asset allocation strategy based on your life stage and risk tolerance.
• Choose high quality mutual funds, exchange-traded funds and/or individual stocks and bonds.
• Monitor the performance of the investments and their management teams, and making alterations to the portfolio as trends and events dictate.
• Make selective trades at year end in an effort to optimize your tax situation.
• Meet with you to review performance, the markets, and the state of economy.
• Rebalance the accounts at least once per year.