Investment Approach


As a primarily fee-based practice, we use an adaptive trend for asset allocation, making allocation decisions not on an overweight/underweight basis, but more on an allocated to or not basis.  We believe that advisors who overweight and underweight sectors are targeting index returns, and thus aren't adding value.

Clients want to outperform in up and down markets with an absolute return bias.  We continually review the information ratio – investment returns relative to a benchmark – for upside/downside capture numbers in order to recommend investments that are suitable for our clients' circumstances.

We also believe clients should have two distinct strategies, one designed for growth, and the other based on retirement income needs.  We take the sequence of returns out of the equation for retired clients by creating strategies that seek to provide income first and growth second.  Prior to retirement, we seek to provide an absolute return that outperforms market indexes.