The majority of individual investors, through stock brokers or on their own, pick stocks and/or mutual funds that are expected to outperform the market averages. In so doing, the question of what and when to buy and when to sell is a constant issue, and it is difficult to maintain an investment discipline particularly during market downturns.

We believe there is a better way to a good investment experience, one that will enable you to achieve the premium returns that world capital markets provide over the long term.

Our investment philosophy and approach is perhaps best defined by what it is not: stock picking and market timing, which are costly efforts put forth by brokers and money managers in their attempt to "beat the market."  Instead, our investment philosophy is based upon Modern Portfolio Theory, an academic effort that won a Nobel Prize and that has become the fiduciary standard for trust investment management. MPT essentially states the following: 1) that securities markets are highly efficient at incorporating new information into security prices, thereby making it extremely difficult to exploit market anomalies; 2) that risk and expected return are related, so that riskier assets produce higher expected returns as compensation for taking greater risk; and 3) that diversification is the best means to manage portfolio risk, enabling the investor to add higher-risk, low-correlating asset classes to a portfolio to reduce volatility and increase expected rates of return.

We insure that our clients' investment portfolios are well diversified by using institutional, asset-class portfolios that contain 1) large company stocks and small cap stocks, 2) growth stocks and value stocks, 3) U.S. and international stocks (developed and emerging markets), 4) bonds with short to intermediate-term maturities and inflation-protected bonds, and 5) hard assets such as securitized real estate and commodities.  Where appropriate to fulfill income and cash flow needs, we often include structured annuities in the investment program.

We look forward to an opportunity to meet with you to further describe how our investment approach has performed and, more importantly, how it can work to better ensure that you reach your financial goals.