Investment Management
| Building Your Financial Future


Our Investment Strategy Process
Understanding Your Investment Profile
Before recommending any investment strategy, we take time to understand:

Investment Goals
Are your funds intended for current income, future needs, or legacy planning?

Risk and Reward Expectations
What level of market volatility can you comfortably accept?

Portfolio Context
How do these investments fit within your overall financial picture?

Tax Considerations
Are your funds qualified for tax deferral or subject to current taxation?

Investment Experience
What is your comfort level and familiarity with different investment vehicles?
Investment success requires more than just picking stocks. It demands a methodical approach that considers both your personal circumstances and broader economic factors. Our process begins with you and expands to include careful analysis of market conditions.
Economic Analysis and Asset Allocation Decisions
Once we understand your needs, we evaluate broader economic factors:
- Current state of domestic and global economies
- Position in the business cycle
- Relative performance of industries and sectors
- Market trends and outlook
The Concept of Irreplaceable Capital
- Emotionally, we all feel losses more acutely than gains
- Mathematically, recovering from losses requires disproportionately larger gains (a 20% loss requires a 25% gain to break even)

Investment Strategies Tailored to Your Needs
This is the heading
Economic Analysis and Asset Allocation Decisions
Once we understand your needs, we evaluate broader economic factors:
- Current state of domestic and global economies
- Position in the business cycle
- Relative performance of industries and sectors
- Market trends and outlook
By combining client factors with economic analysis, we develop a customized investment portfolio that aligns with your specific situation.
The Concept of Irreplaceable Capital
- Emotionally, we all feel losses more acutely than gains
- Mathematically, recovering from losses requires disproportionately larger gains (a 20% loss requires a 25% gain to break even)
Understanding Your Investment Profile
Core Investment Strategy
Income-Focused Strategies
- Dividend-paying stocks with strong histories of consistent payments
- Strategic bond allocations across various durations and credit qualities
- Alternative income sources to diversify beyond traditional fixed income
Growth-Oriented Approaches
- Domestic and global investment strategies
- Sector-specific investments in areas poised for expansion
- Tactical allocations to capitalize on emerging opportunities
Satellite Portfolios
The Foundation of Our Approach

Powerful
Combining modern portfolio theory with behavioral economics

Disciplined
Executing actions based on observed market behaviors

Responsive
Weighing expectations against valuations, volatility, and correlations
The Time Factor in Investment Planning
Your stage in life significantly influences our investment recommendations:
- Accumulation Phase: If you're in early wealth-building years, we may emphasize growth-oriented strategies while still respecting your risk tolerance.
- Pre-Retirement: As you approach retirement, we might gradually shift toward capital preservation for funds needed in the near term.
- Retirement: We may implement strategies that create a "safety cushion" of liquid assets to weather market volatility while maintaining growth potential for longer-term needs.