Our investment approach begins with an understanding that the market has historically moved through long-term secular bull and bear market cycles.  Simply put, there are “sailing” markets when the prevailing economic winds drive strong Bull Market returns, as well as “rowing” markets where Bear Market headwinds and choppy financial waters require more active management.

Our goal is to take this into account along with a client’s specific financial needs, goals, time horizons and tolerance for risk to develop a personalized investment strategy.  We typically combine multiple asset allocation approaches and shift emphasis in our client’s portfolios as client’s needs, time horizons and markets cycles evolve.

Please click on the links below for more information:

Six Step Investment Process

Risk Profiles

Time Horizon

Asset Allocation