We work with you to create a strategy that will serve as a guide in making investment decisions. Our mission is to help you reach your investment goals while simultaneously sheltering your portfolio from excessive risk.
After carefully identifying an appropriate investment strategy to meet your needs and risk preferences, we create, maintain, and monitor your portfolio. Depending on your specific situation, this strategy may be expressed by investing in mutual funds, exchange-traded funds (ETFs), individual stocks, individual bonds or other investment vehicles.
The Key: Balance and Diversification
Many investors take a bottoms-up approach to investing, choosing only the investments they believe will earn the highest returns without regard to risk or how those investments will function as a unit. While this approach may be suitable for a speculator, it subjects most investors to unnecessary risk.
One of the primary tools we use to reduce risk is diversification, which is implemented at multiple levels. We typically seek to diversify portfolios by position, industry, asset class, geography, market capitalization, and money manager, among other risk characteristics. We also seek to factor outside real estate holdings, business interests, stock options, company retirement plans and other assets into our decision-making process.
Although diversification is not the only risk management technique we employ, it is one of the most efficient and cost-effective ways any investor can reduce risk without necessarily reducing returns.