We invite you to learn more about our firm by reading about the services we will provide you as our customer. We consider your trust in our firm as a privilege that we will continuously have to earn. Our success will be measured by the strengthening of that trust over time.

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We don't believe that a client should be placed into a model portfolio. Too often the financial management of client assets is left to the determination of a model portfolio. What is a model portfolio? Usually it is a portfolio determined by a client's answering questions with regards to their risk tolerance, goals, income, and other items. The potential client's response lumps them with the other thousands of clients with similar responses.

Henry Ford built his first model T in one color, saying at one point, "buyers can have any color they like, as long as it is black." We believe that treating an investment services customer like a Model T is not an acceptable practice. All our clients have individualized portfolios.

Our Services

Investment advice tied to your individual needs E mail updates on the status of your investments Quarterly performance reports on your portfolio Recommendations based on a holistic financial planning analysis of your circumstances Specialized investment products for the more affluent investor Estate Planning expertise Quarterly proactive contacts A Plan for achieving your financial goals No proprietary affiliations just unbiased product choices

We don't believe in over diversification. Some model portfolio's have between 20 to 35 mutual funds. If each mutual fund holds 200 securities, the provider of the service may have just given the client the potential of having 7000 securities in the portfolio, a giant index. Great care is taken to understand the correlation of securities within our portfolios to provide diversification without creating a problematic index. We don't believe that communication with a client should be left to a random employee. A client wants direct conversation with the individual responsible for their managed account. They do not want someone who is responsible for hundreds of clients that they do not know nor have ever met.

We don't believe in managing assets for specific asset class segmentation. We are not a Large Cap Value manager or a Small Cap Growth manager. We do have a Strategic Asset allocation philosophy. Subservient to this Strategic Asset Allocation are the Tactical Asset Allocation changes that we will make to the portfolio in order to attempt to provide the best return to our clients. We do not believe in timing the market, but we do believe that there are substantial movements in the marketplace that affect different segments of the market at different times.



Contact us today for holistic financial planning and investment advice for traditional and affluent investors.