We Take a Comprehensive and Disciplined Approach to Your Investments

Our investing approach isn't about "stock picking" or investing "rules of thumb." We strive to see things other investors don't or analyze widely known information differently than the crowd. By analyzing global markets, we try to identify the most attractive investment categories and then position portfolios accordingly.

What Drives Investment Returns?

• Our research shows approximately 70% of long-term portfolio returns are a result of asset allocation, or whether you own stocks, bonds, cash, or other assets. So we focus on the asset allocation decision first by analyzing how factors like the economy, politics, and investor sentiment are likely to impact different asset classes.
• Next, we decide what type of investments to make. If the environment for stocks looks favorable, should you own shares of small companies or large companies? "Growth" or "value" stocks? Foreign or domestic? If fixed income investments seem preferable, are government bonds, corporate bonds or municipal bonds best? What credit quality and duration? This sub-asset allocation decision accounts for about 20% of your returns.
• The final 10% of your returns are determined by the individual securities that make up your portfolio.
• The investing process doesn’t end there. Service, communication, and education play ongoing roles in your portfolio. Ensuring we are well-informed about your personal situation and you are comfortable with your portfolio are important components of our comprehensive approach.