ABOUT US

Our clients enjoy peace of mind and financial security backed by trust and confidence. We provide discretionary asset management, financial planning, and investment advice tailored to your investment goals and objectives. It is your money, your portfolio, and your goals that we want to help you achieve.

OUR
DEDICATED TEAM

Portfolio Manager & President

Portfolio Manager

Founder

“Our process is designed not only to address the nuts and bolts of a portfolio, but also to understand our client’s reality and extract the important highlights from their life that are going to drive how their portfolio and long-term plan get put together. We’re in the business of taking risk and our process emphasizes where clients can be adequately rewarded for it.”

– JOHN OHSNER, ADVISOR AUTHORITY 2019 The Innovation and Issues RIAs, Fee-Based Advisors, and Investors Care About Most – Chapter 1: Safe Havens in an Uncertain World

OUR INVESTMENT PHILOSOPHY

MANAGING THE DOWNSIDE. PEACE OF MIND IS PRIORITY NUMBER ONE FOR CLIENT PORTFOLIOS.

This is accomplished in multiple ways. There is an exit plan going in. Keeping losses small is more important than finding the big winner.

To create and protect wealth, we must avoid the big loss and protect capital. High-quality decisions can still be hit by bad luck or surprise events. By using trailing stops and rebalancing positions that have appreciated, this helps the winners take care of themselves.

A well-diversified portfolio can provide better preparedness when things go wrong. A more stable outcome involves a mix of different kinds of assets that go up and down for different reasons.

NOT TRYING TO OUTGUESS THE MARKET. NOBODY KNOWS WHAT IS GOING TO HAPPEN TOMORROW.

Forecasting the market is not the driver of how portfolios are built. While being conscious of the broader economy is a source of ideas, the investment process hinges on specific investment research.

Controlling emotions is important and difficult. In some cases, doing nothing is doing something. Following a reactive cycle of excessive optimism and fear may lead to poor decisions at the worst times.

PERSISTENT, PERVASIVE, ROBUST, COST-EFFECTIVE AND SENSIBLE CHARACTERISTICS.

The investment process involves tilting towards characteristics that have offered better performance over longer periods of time. To be considered, these portfolio tilts must be persistent across time, pervasive across different market types, robust in the data and the ability must exist to capture those elements while keeping costs low.

Some examples include the size effect, the value effect, and the profitability effect. Over the long haul, smaller companies tend to outperform bigger ones (size effect), paying less for an asset is better than paying more (value effect), and more profitable businesses tend to return more than the less profitable (profitability effect).

OUR BUSINESS PHILOSOPHY

EARNING TRUST. INVESTING INVOLVES A VAGUE AND OFTEN UNKNOWN FUTURE.

Trying hard will only go so far. No one is wise enough to get it right every time and even the best intentions will involve some mistakes on occasion. Effort, wisdom and good intentions aren’t enough for a successful relationship. A relationship also needs a solid foundation. This foundation is rooted in a simple concept of saying what you’ll do and doing it.

GOALS WHEN MEASURING RESULTS:

  1. Generate performance that is average in good times (but willing to accept more).
  2. Generate performance that is far above average in bad times.

If this not so simple feat is accomplished in the long run, results have better potential to be: above-market performance on average, below-market volatility, superior performance in the tough times. This combination will help combat natural tendencies at the tops and bottoms of market cycles, and offer better potential for happier clients.

A truly client-centric process actually guides clients through the steps to get financially organized, explore the possibilities to set realistic and achievable goals, and then formulate the tactics to best reach those goals. It discovers what clients need to make progress along the way.