Our philosophy has evolved over many years of working in and out of the investment advisory business, observing that the average client is overcharged and underserved. Directly observing the investment markets over the past 25 years has taught us that high fees, transaction costs and taxes sap the performance of an investor’s portfolio. We look at investors holistically, consider all their long term needs and objectives, and help to create a strong financial plan. We believe time has shown that most investors can achieve their goals with a diversified portfolio of low cost no load index funds that are periodically rebalanced to produce optimal returns with lower risk.

Our process begins by getting to know an investor’s entire financial picture and then developing a customized strategy for achieving realistic long term investment and financial goals. Next we develop a disciplined process of investing in a predetermined basket of index based asset classes that is regularly rebalanced. For some investors, this strategy includes holding individual stocks. We research a broad range of stocks and mutual/index funds regularly. Since we are buy side investors we seek investments with long track records of producing fair and expected returns. We define expected returns as risk adjusted returns. Volatility or risk is the difference between an investors expected return and real return. We expect better then average return for a more volatile investments, and market average returns for one of average risk or volatility. Time has taught us that patience is what differentiates the successful investor.