Our Process

Each client's financial situation is unique. We design and administer financial plans to meet their unique financial goals. The plan we prepare for each client is customized and easy to understand, enabling them to make decisions about their current spending, targeted returns for their portfolio, retirement income needs, and possible gifting wishes.

Since we do not use a "cookie cutter" approach for all clients, actual investment returns may vary according to how each portfolio is invested. Therefore, we do not define results by reference to any standard benchmark. Rather, we define results by how well income requirements have been met, wealth has been preserved and assets have grown, specific to each client’s individual goals. We believe that to do so, we must follow a disciplined, proven process by taking a systematic approach to creating individual solutions.

Once the client’s solutions are arrived upon, we present and translate their financial plan and strategy into a tactical action plan including broad asset allocation, specific investment vehicles and manager selection, and the execution of associated tasks.

After the plan has been implemented, in an ongoing fashion, we will communicate complex financial strategies that are understandable, actionable and, most importantly, achievable.


Investing involves risk including the potential loss of principal. No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values.