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Our Investment Philosophy

“Knowledgeable and experienced financial advisors understand and accept the lessons of history.”    -John Meinert




Stick with Quality

Quality stocks represent ownership in businesses that have been around for quite a while, make products or offer services that are in growing demand, are well managed, and often pay dividends.  Quality bonds represent loans to business, government and municipalities that primarily have high credit ratings and a history of prudent financial management.

Spread the Risk

Asset allocation, and keeping that allocation in balance, historically represents over 90% of an investor’s success over time.1  Diversification among asset class, size, industry, sector, country, investment style, geography, credit rating, income sources and non-correlated strategies is critical to managing the risk of being an owner and lender in the global economy.

Think Long Term

Stock and bond markets can be quite unpredictable over short periods of time.  Over meaningful periods of time like 5 to 30+ years however, market and economic cycles favor the long-term investor in the global economy.  The more one approaches investing as a life-long and disciplined process, the more predictable the potential for positive outcomes become.2                       

Keep it Simpler

The more complicated you make it, the more likely it is to fall apart under stress.  That’s been said about a lot of things and is definitely true about money and investments.  We’ve learned that lesson more than once in recent times (2000-2010).  An objective-based allocation of stocks, bonds, cash, real estate and alternative investments - properly monitored & tactically re-balanced over meaningful periods of time is the most predictable method to pursue financial wealth and security for you and your family.  It’s not flashy, but historically it has been a sound approach.

Listen to Your “Coach”

We don’t like to admit this, but when it comes to our money we can get quite anxious and become quite susceptible to fear, greed and pride - the “Big 3” investment performance enemies.  It’s been academically proven again and again that a disciplined approach to investing delivers the potential for higher market returns.  You have a greater chance of sustainable and meaningful financial success working with an expert who knows you, who knows who and what you care about and who knows how to help you address your important financial goals.  The real difference is working with an Advisor!

The Advisory Relationship 

The fee-based Advisory relationship allows your Financial Advisor to provide objective and ongoing planning, analysis, advice, recommendations, implementation and review - while selecting, allocating, monitoring and rebalancing investment assets with fiduciary responsibility - thereby seeking to minimize transactional conflicts of interest and negative investor behavior and aiming to maximize investment process discipline and investor success potential.  


Is a time-tested investment approach right for you?  Let's find out!



Please note that asset allocation does not ensure a profit or protect against a loss in a generally declining market.  There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification does not protect against market risk.  Stock investing involves risk including loss of principal.  Bonds are subject to market and interest rate risk if sold prior to maturity.  Bond values will decline as interest rates rise and bonds are subject to availability and change in price.  Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor's portfolio.  The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.

1 Source: Brinson, Singer & Beebower’s study, “Determinants of Portfolio Performance II: An Update.”    2 Source: LPL Financial FactSet.  Based on S&P 500 monthly total returns for average annual rolling periods for 33 years (1977-2010).

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