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Investment Management Process


Pillar I includes liquidity to cover short-term expenses and unexpected emergencies. This component is made up of cash and cash equivalents, such as short-term bonds.

Pillar II seeks consistent income to support the client’s lifestyle needs. We structure this portion of the portfolio seeking to ensure a consistent, predictable stream of income the client cannot outlive.

Pillar III seeks growth. This portion of the portfolio is managed to potentially produce capital appreciation that exceeds inflation, allowing clients to maintain and increase their purchasing power over time.

Our goal is to ensure our clients have the ability to cover their expenses, provide a comfortable fixed income for life, and explore growth opportunities to continue to build on core assets. This approach varies from client to client, based on their age, income needs, and risk budget.

Our investment strategies are sophisticated and based upon our own qualitative and quantitative research as well as on the objective studies provided by LPL Financial, the nation’s largest independent broker/dealer.* Although we draw upon leading-edge technology and research, we take pride in being able to explain the most complex concepts in clear, understandable terms. We communicate frequently with our clients about their portfolios, market developments, and new strategies or approaches they may wish to consider. We also listen carefully, so we can learn more about the unique history, life events, and personal preferences each client brings to the wealth management process. Our process brings you in-depth expertise, cutting-edge technology, and warm personal service; all the elements of a successful wealth management relationship.

*As reported by Financial Planning magazine, June 1996-2016, based on total revenue.