DEVELOPING YOUR PERSONAL INVESTMENT STRATEGY IS ONE OF THE KEYS TO INVESTMENT SUCCESS. DURING OUR FIRST FEW MEETINGS WE WILL HELP YOU MAKE DECISIONS REGARDING YOUR ASSET ALLOCATION- THE PROPORTION OF STOCKS, BONDS, COMMODITIES, OR CASH-THAT MEET YOUR FINANCIAL GOALS AND YOUR TOLERANCE FOR RISK.
ONCE YOUR INVESTMENT STRATEGY IS SET, WE THEN GO ABOUT SELECTING THE INVESTMENTS THAT FIT YOUR STRATEGYS OBJECTIVES. WE FAVOR NON-PROPRIETARY, LOW-COST, NO-LOAD MUTUAL FUNDS, EXCHANGE TRADED FUNDS, AND PASSIVELY MANAGED INDEX FUNDS, AS YOUR PRIMARY INVESTMENT VEHICLES, AND WE ARE SKILLED AT ASSEMBLING THESE INVESTMENTS TOGETHER INTO A PORTFOLIO THAT IS OPTIMIZED TO YOUR GOALS AND RISK PROFILE.
MOST OF OUR PORTFOLIO MANANGEMENT CLIENTS HAVE THEIR ACCOUNTS CUSTODIED AT EITHER CHARLES SCHWAB OR TD AMERITRADE, WHERE WE ARE PROVIDED LIMITED TRADING AUTHORITY.
YOUR ACCOUNT WILL BE UNDER OUR CONTINUOUS SUPERVISION TO ENSURE THAT YOUR MONEY IS BEING INVESTED IN ACCORDANCE WITH YOUR GOALS AND CHANGES IN MARKET CONDITIONS.
WE PROVIDE YOU WITH PERFORMANCE REPORTS, EITHER QUARTERLY OR SEMI-ANNUALLY, WHERE WE ANALYZE HOW YOUR PORTFOLIO PERFORMED VERSUS ITS APPROPRIATE BENCHMARK. THIS WILL GIVE YOU AN OBJECTIVE TOOL FOR EVALUATING OUR PERFORMANCE.
WE HAVE GUIDED OUR CLIENTS THROUGH MANY INVESTMENT CYCLES--AND OUR INVESTMENT DECISIONS ARE GUIDED NOT ONLY BY A THOROUGH UNDERSTANDING OF YOU, BUT ALSO BY A THOROUGH UNDERSTANDING OF HOW FINANCIAL MARKETS WORK.
ALTHOUGH FINANCIAL MARKETS MAY ACT IRRATIONALLY IN PRICING FINANCIAL ASSETS OVER THE SHORT-TERM, MARKETS DO EVENTUALLY PRICE THESE ASSETS CORRECTLY OVER THE LONG-TERM--THATS WHY WE ARE SKILLED VALUE INVESTORS-STRATEGICALLY UNDER-WEIGHTING THOSE ASSETS THAT ARE OVERVALUED AND OVER-WEIGHTING THOSE THAT ARE UNDERVALUED.
PRESENTLY, FOR EXAMPLE,with the yield on most blue-chip stocks exceeding the 10 year us treasury bond, we are over-weighting high dividend paying blue-chip stock Etfs and under-weighting exposure to longer-term treasury securities. we prefer investment grade corporate bonds to sovereign debt, whether from the us or from western europe, where budget deficits have reached unsustainable levels and further credit downgrades are likely.