Investment Philosophy

We believe that many retail investors are being overcharged by the investment industry for advice, planning, and results.

Our approach is to provide prudent, unbiased wealth management at a reasonable price. We focus on asset allocation as a means to reach the goals of our clients due to the simple fact that over 90% of investment return is recognized at the sector level rather than the individual stock level.

We utilize index funds and exchange-traded funds as our main investing tools due to their relatively low cost and ease of use. In special circumstances, we will utilize hedge funds to add alpha to the portfolio.

Our goal is to work with individual investors and small companies that may not be rich in investable assets today but, with our help, will be able to meet their goals now and into retirement.