We choose to utilize investments that are typically non-correlated (i.e. investments that have the ability to move in different directions at different times).  This strategy alone helps to reduce risk in an investment portfolio.

Many specialists state that there were no safe places to invest your money in 2008, the beginning of one of the worst recessions our country has ever seen.  This is not entirely correct considering that several investment categories had positive investment returns.

Our belief is that asset allocation (i.e. diversification) works and risk can be reduced as a result.  We could have shifted our clients’ portfolios to one of these positive performing investments prior to the 2008 debacle, but if we were wrong we could have potentially wiped out a substantial portion of our clients’ assets.  This is a risk we were not willing to take with our clients’ money.  Remember, we are Diversifiers not Speculators.  As mentioned earlier, we choose to invest our clients’ money in at least 18 different investment categories which helps to reduce risk in a client’s portfolio.  (Past performance is no guarantee of future results.  There is no assurance that these techniques are suitable for all investors or will yield positive outcomes.)