Investment Philosophy

Our investment advice is tailored to the specific needs of each client. The cornerstone of our philosophy is careful diversification and attention to long term investment planning. Our strengths lie in our professional experience, management flexibility, analytic independence, and utilization of disciplined methods for selecting securities and monitoring portfolios.

Protection and Growth of Principal

Successful investing requires a disciplined approach to asset selection coupled with a carefully chosen asset mix. We begin with an asset allocation framework which reflects each investor's goals. Client assets are allocated among high quality stocks, exchange traded funds, bonds, and cash equivalents. We periodically adjust the mix of securities to reflect changing market conditions, yet always remain within the general framework of each investor's goals.

Consistent Rates of Return Exceeding Benchmarks

In our view, common stocks are the best means for countering the effects of inflation, because common stocks provide capital appreciation as well as income. We primarily look for large capitalization companies which promise above average growth in earnings. These typically are companies with strong finances and reasonable price/earnings ratios relative to expected growth rates. We diversify portfolios among domestic, foreign and global companies and across sectors of the economy, favoring those sectors expected to perform best in the current or upcoming phase of the economic cycle.

Focus on Client Objectives and Time Horizons

Our quantitative models are our most important selection tool. They help us highlight growth opportunities and also identify market and economic trends. We employ an independent, structured and disciplined approach which seeks to provide our clients with investment returns consistent with their objectives and time horizons.