Philosophy

Customized portfolios tailored to the needs of the individual investor with ongoing investment management. The firm forms a partnership with the clients to develop a plan that is best suited for their individual situation. Portfolios are built using the fundamentals of asset allocation. This disciplined and diversified approach uses Strategic and Tactical Asset Allocation and does not include market timing.

Equity - Actively managed and index mutual funds and Exchange Traded Funds (ETFs).

Fixed Income - Individual securities, mutual funds, and ETFs. Mutual funds and ETFs may be actively managed or index funds.  Individual bonds include US Treasury, CDs, Government Agency, Municipal and Investment Grade Corporate bonds.

Sectors/Alternative asset class - 5-10% of the portfolios may be strategically invested at any time in sector/alternative funds or ETFs in certain portfolios as a means to benefit from the exposure to a particular market sector or alternative asset class. Examples of sectors are health care, technology, and financial servcies. Examples are alternative asset classes are real estate and commodities.