Investment Planning

“Someone is sitting in the shade today because someone planted a tree a long time ago.”
– Warren Buffet

Our investment philosophy is driven by the desire to help our clients achieve their most important financial goals. To accomplish this, our investment portfolios are constructed to be:

Family sitting in field under tree

Personalized

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our success.

Objective

Your financial well-being is of utmost importance. Rest assured, our decision-making process is not dependent on using specific products or working with select vendors. Instead, our portfolios are solely focused on providing the outcomes that align with your goals.

Diversified

The benefit of diversification is derived from the wisdom that we do not know which investments will increase in value and which are destined to fall. Instead, we focus on the collection of investments that we believe may provide the best return relative to the risk you are willing to tolerate. Historically, the basis of a well-diversified portfolio is a suitable mix of stocks and bonds. This mix is formalized in an Investment Policy Statement (IPS) that serves as the framework for our portfolio construction.

Strategic

With an eye on growing and protecting your assets, our team of portfolio managers will make strategic investment decisions within your mix of stocks and bonds. In any given period, the markets are impacted by various social, economic, and political conditions. Although your mix of stocks and bonds may not change, we may make changes to the specific types of stocks and bonds you own. Our hope is to capture any opportunities from mispriced assets or market overreactions.

Transparent

Know what you pay. Know what you own. Know who is making investment decisions on your behalf. Know who to contact when you have questions or want to make changes to your plan. Our goal is to be as transparent as possible, so you feel fully informed and aware of how your plan is being implemented.

Cost Effective

Price is what you pay, value is what you get. We know fees play a major role in our ability to achieve the results we desire from our portfolios. Our aim is to manage your costs as effectively as possible, whether that is our advisory fee, the cost of your investments or the taxes incurred, while remaining focused on the growth and protection of your portfolio.

Enduring

The biggest risk to your financial success is letting feelings or biases influence your decision-making. A significant amount of our value is earned by steering you away from making emotionally-charged decisions that will derail your long-term plan. The best portfolios are those that can endure short-term disruptions in the market and stand the test of time.