Our Process

The personal relationship we have with every client starts with an initial consultation in which we identify your needs, objectives and risk tolerances.  Once we have this understanding, we develop a custom plan. We identify your goals, gather and review financial data, and coordinate our investment process with other tools for financial growth and stability.

When we have established your objectives, we create an asset allocation plan. You will receive a personalized asset allocation plan, outlining strategies and investment parameters that fit with your goals and objectives. We review this plan with you, taking care to ensure that you understand every aspect and that you are comfortable with our recommendations.

When you have approved our plan, we put it to work for you. We monitor its progress regularly, and we customize your review schedule based on your needs—at least once a year, and more often as appropriate. Between meetings, you can expect prompt attention to any requests you make for service from our associates and staff.

Clients ask us, “How often do you look at my account?” We look at your account on a regular basis—at least weekly, and more often when markets are volatile. We monitor your asset allocation and account performance on a regular basis.  This monitoring process goes on year-round, and we communicate with you regularly when we see the need to make changes to meet your needs. 


Your investment plan will be diversified across the major investment types, including individual stocks, bonds, mutual funds and exchange traded funds.

  • Stocks are divided between domestic and international, and further segmented into large, medium and small caps, using both the growth and value styles of investing. 
  • Bonds are divided into short, medium and long durations, and can be mutual funds, individual issue or exchange-traded funds.
  • Exchange-traded funds that hold assets including commodities, stocks or bonds are often part of a well-balanced investment plan.
  • Mutual funds that invest in a variety of stocks are part of many plans, with the same segmentation into large, medium, and small caps, as well as domestic, international, and specific industries.
  • Alternative investments including tactical mutual funds, real estate investment trusts, ETFs and commodity mutual funds will be considered when appropriate. 

Tax Sensitivity and Indexing

We use a variety of passive and active investment strategies to help meet client goals. While we exercise care in the placement of different vehicles within taxable and tax deferred accounts, tax considerations do not dominate our investment management process. Risk management is a more dominant factor in portfolio construction.