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.


We don't believe in using only proprietary products. The management of assets should not be left to the firm selling the underlying securities as part of the package. Doing so leaves opportunity for less than effective financial instruments being placed into service to shore up operational or functional issues of the proprietary product provider. It may at times mean that a less than adequate fund is placed within the portfolio because it meets the asset class criteria needed for the portfolio. The result could be less than acceptable return from a segment of the portfolio based on an investment company requirement, not a client need.

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 The convenience of having your assets remain at their current custodian 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 Performance reporting

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.

We do not believe in the harvesting of tax losses as a way to hide mistakes made in investing in those positions. Tax harvesting can provide an avenue to avoid substantial tax implications to non retirement accounts during the tax year.

However, mutual fund wrap products, advisory services products, or asset allocation products may try to hide mistakes made in investing in specific securities and disguise them as "tax loss harvesting." While no one can predict whether a security will or will not increase in value, the reasonable expectation of our client base is that we have attempted to avoid those segments of the market that are reflecting short term loss characteristics.

We do not believe that investing should be performed in a vacuum. A thorough analysis of the financial health and goals of a client should be taken into consideration before investing the client's assets in a particular manner. This means that comprehensive financial disclosure should accompany any agreement to manage a client's assets. We take time to insure that we understand the clients goals, cash flow requirements, philanthropy, and family needs before investing their hard earned assets.

We don't believe in phone optimization or client categorization. All clients should be given similar attention, direction, and assistance in reaching their goals. We believe that the title Financial Partners in our name is more than a slogan. It is our commitment to our client base.

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