Investment Services

From the outset of a new client relationship, we work closely with each client to determine his or her particular investment objectives and concerns. We help our clients formulate goals and establish a framework for analyzing their individual risk tolerance and return objectives. We develop an investment program consistent with these needs and provide regular assessments of each client’s portfolio performance.

Define Client Needs and Objectives

In the initial meetings with a client, we focus on an analysis of their needs and develop a plan for meeting their investment objectives within prescribed risk tolerances. As investment advisors, we are responsible for making investment decisions within the policy framework established by each client.

Construct Portfolios and Monitor Performance

We construct portfolios for each client using the parameters established in our initial meetings. Selecting from a buy list of securities while carefully employing diversification, we build the initial portfolio in stages suitable to the goals and risk tolerance of each client. Each portfolio is managed individually and is reviewed continuously for quality and performance.

Report Quarterly, Meet Periodically

At the end of each quarter, clients receive a detailed statement and appraisal of their portfolio and its performance. Periodic client meetings and frequent telephone and email contact are used to review and assist in achieving the client's long term investment objectives. At a minimum, we personally review accounts with clients annually or as is mutually convenient. Performance statistics are available for the current quarter, year to date, and inception to date, and are always compared to market averages and other pertinent benchmarks.

Support Tax Planning and Gifting Programs

In the last quarter of each year, portfolios are reviewed with clients for any tax planning and gifting opportunities. Shortly after year-end, a very detailed Schedule D worksheet is sent to each client for use is preparing tax returns.