Our investment philosophy is based on the Nobel Prize research of the pioneer Harry Markowitz.  In other words, our investment management is based on Academic principals, not Wall Street predictions.  We are not willing to make a bet in any one direction (i.e. stocks, bonds, cash, alternatives, etc.).  Instead, we choose to diversify our portfolios to help insulate our clients from the risks of taking speculative bets in one area.  We are Diversifiers not Speculators.  (There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification does not ensure against market risk.)

Although Asset Allocation does not ensure a profit or protect against a loss, it is an important factor in minimizing portfolio risk.  Our portfolios are comprised of at least 18 different investment categories.  We first take a look at your goals, risk tolerance, and time horizon.  We then calculate the appropriate amount of risk for your portfolio.  This allows us to construct the appropriate amount of stocks, bonds, cash, and alternative investments within your portfolio.