Investment Mangement

When it comes to Investment Management, there are many ways to achieve your investment objectives.  There is no one way to get there.  We believe investment success comes from implementing solid fundamental investment principals in a disciplined fashion.  We build and manage investment portfolios using sophisticated modeling and implement strategies that are meant to provide steady returns and avoid severe volatility.  Also, we manage portfolios in a cost-effective way taking into consideration trading costs, fund fees, and especially the income tax implications of any investment changes.

While we follow a discipline, this doesn’t mean our style is “buy and hold”, or “set it and forget it”.  Conversely, we stay nimble and are on the lookout for signs of a market turning (toward the good or the bad), and will advise you of changes that you should consider.  That will happen because we’ll meet often and speak regularly (plus emails and texts too!).  We can deliver on this tenet because we purposely maintain a small, manageable book of business so that we can spend the proper amount of time managing your affairs.   Unlike most firms, and especially the major banks and Wall Street firms, we purposely keep our client list small so that we may serve you properly and to your satisfaction.

Our role as your advisor is to help you avoid the classic mistakes that investors (and even their advisors) tend to make:

  • being under diversified or over diversified
  • chasing after the “hot dot” – investing in what’s performed well recently (but it’s too late)
  • letting your portfolio get too out of line with your risk tolerance – remember 2008?!
  • “straight-lining” – assuming today is the way it’s always going to be
  • sitting in cash for prolonged periods of time
  • being “all in”, or “all out”
  • evaluating an investment solely for its income dividend
  • paying too much in total fees
  • being afraid to sell
  • letting the “tax tail wag the dog” (although, we run all of our portfolios on as much of a tax-efficient basis as possible)
  • trying to time the market

Falling prey to one or more of these issues can hurt the performance of a portfolio.  Studies have shown how the average investor has historically fallen far short of index returns, and its mainly because of the above mistakes.

Let us help you avoid those mistakes and show you how to manage a healthy investment portfolio that is properly suited to your needs, wants, and objectives.