Your personal circumstances and goals serve as the basis for our initial strategy and required rates of return. The result of our macro-economic research process completes the investment portfolio’s overall asset allocation.

Macro-economic Analysis
History provides great evidence that, over long periods of time, there is a direct correlation between changes in the economy (the business cycle) and the performance of financial instruments. Over the long term, the macro-economic variables that drive the economy, such as interest rates, inflation and corporate profits, effect the long term direction of stock, bond and real estate prices. Therefore, our search for the best opportunities within the investment landscape begins with an understanding of the economic climate and business cycle. From this analysis, we formulate an 18-month economic and asset class outlook which serves as the basis for asset allocation recommendations.

Tax and Cost Efficiency…”It’s not what you earn, it’s what you keep”
We do not believe that investors should sacrifice performance for tax efficiency. Fortunately, our investment style is highly tax efficient. The average portfolio turnover is only 20% annually. This is significantly lower than that of most mutual funds and other investment advisory firms. Most importantly, this allows you to retain a greater amount of your assets each year, which assists the long term compounding of your wealth.

Since our fees our based on the value and performance of your portfolio, we are cost conscious. The use of individual securities, as opposed to mutual funds and other investment “products”, keeps costs low and removes the possibility of hidden or layered charges. Additionally, we work closely with the custodian of your funds to insure that your transaction costs are kept to a minimum.