Types of Investments

We invest in stocks, bonds, and mutual funds. The min­i­mum invest­ment needed to ade­quately diver­sify a stock and bond port­fo­lio on a cost-effective basis is about $250,000.

Why We Invest In Stocks and Bonds

There are four key advan­tages to hold­ing indi­vid­ual stocks and bonds in a port­fo­lio: con­trol over the con­cen­tra­tion of invest­ment in any one com­pany and indus­try, con­trol of the tim­ing of pur­chases and sales, imple­men­ta­tion of tax strate­gies, and effect­ing long-term buy and hold posi­tions in core hold­ings. In addi­tion, over­all costs are lower when com­pared to sim­i­lar mutual fund port­fo­lios under our management.

We man­age five core port­fo­lios rang­ing from con­ser­v­a­tive to aggres­sive. These port­fo­lios are tax effi­cient, diver­si­fied and low-cost. Port­fo­lios which invest in indi­vid­ual secu­ri­ties are appro­pri­ate for indi­vid­u­als hav­ing $250,000 or more, and can be com­bined with mutual funds to pro­vide greater diver­si­fi­ca­tion and spe­cial­ized man­age­ment in key sectors.

> Learn more about Bond Port­fo­lios.
> Learn more about Stock Port­fo­lios.

Why We Invest In Mutual Funds

There are two pri­mary advan­tages to mutual funds: diver­si­fi­ca­tion and spe­cial­ized man­age­ment. Today there are thou­sands of mutual funds avail­able to investors. Some funds are directed toward aggres­sive growth, invest­ing in newer and/or smaller com­pa­nies with great poten­tial, as well as com­pa­nies in volatile busi­ness sec­tors. Oth­ers are designed to pro­vide cur­rent income by invest­ing in larger com­pa­nies with a his­tory of reg­u­lar div­i­dend pay­ments and div­i­dend increases. In addi­tion, there are sec­tor funds that focus on one par­tic­u­lar asset class such as tech­nol­ogy, finance, health care, etc. Nei­ther the fund’s name nor its his­tor­i­cal per­for­mance reveals much infor­ma­tion about its propen­sity for future growth. Research­ing these funds is a full-time job and we eval­u­ate and select the right funds to ful­fill our asset allo­ca­tion model. We meet with fund man­agers to under­stand their strate­gies and mar­ket expec­ta­tions, and we track their port­fo­lios in a sep­a­rate real time data­base. We use only no-load mutual funds.

> Learn more about Mutual Fund Portfolios.

How We Invest

Your port­fo­lio is con­structed only after we have thor­oughly dis­cussed your unique finan­cial goals and objec­tives. These may include:

• Retire­ment planning
• IRA Plan­ning
• Col­lege Funding
• Estate Plan­ning
• Income Tax Planning
• Busi­ness Plan­ning

> Learn more about Per­sonal Finan­cial Plan­ning Ser­vices.

Cus­tody of Assets

We do not have cus­tody of your funds. We will assist you in open­ing an account with an inde­pen­dent cus­to­dian. You retain own­er­ship and con­trol, although you autho­rize us to make invest­ment deci­sions for your account. You will receive a monthly state­ment from the cus­to­dian list­ing the assets held in your account and the trans­ac­tions dur­ing the month. You will also receive a quar­terly report from us which will cal­cu­late the rate of return earned dur­ing the quarter.