Our philosophy of investing is rooted in these core beliefs:
Professional wealth management can be a key element to your financial health, just as professional medical care is to your physical health. We will help you evaluate your resources, goals, time frame, and risk tolerance; develop a strategic asset allocation strategy; and periodically review with you the progress toward your goals. We are dedicated to helping you through all phases of your life, making adjustments when needed to align your plans with your life changes and the markets.
We believe investment decisions should be guided by a comprehensive wealth management plan, including a thorough assessment of current resources and realistic goals for the future. Vague goals tend to produce vague results.
You may have particular investments for a long period of time, so you need to feel comfortable with them. Before making any investment recommendations, we consider your investment timeline, temperament, and philosophical preferences. We want to make sure you know what you own and why you own it.
The more time you have, the more opportunity you have for pursuing your goals.
Trying to time the market is ineffective, as no one can consistently predict the stock or bond market. Employing a long-term, disciplined approach helps to eliminate emotion-driven buying and selling, which tends to have a negative impact on investment returns.
Proper asset allocation between stocks, bonds, and cash equivalents enables you to pursue desired return expectations at a reasonable level of risk and may have a significant impact on your portfolio’s overall performance.
While diversification does not ensure a profit and may not protect against loss, it can play a key role in establishing a sound investment strategy and reducing risk.
We have a strong belief in individual stocks and the potential returns they provide. We encourage our clients to think of themselves as long-term owners of shares in carefully selected, quality companies – not as short-term owners of the stock market.
We believe these types of investments are best used for seeking a predictable source of income and to help diversify a portfolio.
Asset allocation and diversification do not ensure a profit or protect against a loss. When investing in bonds, it is important to note that as interest rates rise, bond prices will fall.
