Before we begin to construct your portfolio, we complete an extensive information gathering questionnaire. We develop a written document called Your Method™ which outlines your time horizon, investment objectives, risk tolerance, asset allocation, tax strategy, and expected rate of return. This document will be used to monitor performance and to track your financial goals over the decades.

Regular asset allocation reports are sent quarterly to update you on market fluctuations and fund managers. I believe that no decision, is a decision. It is important to recognize how the portfolio allocation has drifted simply through shifts in the market. Annual portfolio adjustments include rebalancing, changing underperforming fund managers, and strategic concentration in up-cycle sectors of the market. You are welcome to request reports, and to hold meetings with me at any time.

I do not maintain a dogmatic approach to investments. I have not settled on one system which suits my practice. We move with the market and business cycles to outperform over the years. This can mean using actively managed funds and strategic asset allocation. Or, we may find passive, index funds with semi-annual rebalancing produce the best results. The landscape of investment options is perpetually evolving, and I must ensure my clients continue to utilize the most effective strategies for both investment fees and performance.

My independent, institutional platform saves you money by waiving loads and fees on investments such as mutual funds and the broker markups on individual bonds. I make you money with tax strategies and improved portfolio returns. My professional background and current focus remains on investment management. I have successfully reduced the downside of the market while capturing more of the upside. Over my career, my clients have outperformed the market, net of fees. I am thrilled to offer a service that pays for itself.