Planning Process

The INVESTMENT PROCESS begins with the development of an Investment Policy Statement to define your financial goals. We analyze your existing assets and asset allocation, and review your objectives, time horizon, tolerance for risk, liquidity, income needs, and tax situation. State-of-the-art planning software is used to anticipate the future and assess the probability of achieving your goals. We then establish policies and guidelines for the management of your portfolio that match your priorities and put you on-track for success. We select specific equity and fixed income securities in your portfolio suitable for reaching your goals. This process is ongoing, and adjustments are made periodically as your unique circumstances and the investment environment change.

Investment Philosophy

Our EQUITY INVESTMENT PHILOSOPHY focuses on quality and growth at a reasonable price. We build and manage portfolios that are diversified across economic sectors. Our fundamental research pays close attention to quality characteristics such as strong balance sheets, above average returns on shareholders equity, and positive cash generating abilities. We search for companies that have a proven ability to grow revenues, earnings, and dividends over a long time horizon. Our investment style has a long-term focus resulting in reduced turnover, which helps in tax-minimization.

For FIXED INCOME INVESTMENTS, we diversify portfolios with investment grade bonds determined in part by tax parameters. To minimize risk, long-term maturities are avoided. By focusing on investment grade bonds with short to intermediate maturities, we believe you are better served from a safety and income perspective.

Research Process

Our RESEARCH PROCESS is rigorous and independent. We utilize various databases and research sources to screen for investment ideas. The fundamentals of each idea are scrutinized by our team, and are vetted with industry and sector analysis. Our research includes information from a variety of Wall Street analysts, strategists and economists. This allows us identify gaps between market prices and true value, which lead to investment opportunities.