To invest successfully over a lifetime does not require a stratospheric IQ, unusual business insights, or inside information. What's needed is a sound intellectual framework for making decisions and the ability to keep emotions from corroding that framework.

- Warren Buffett

 

No two clients are similar, so we create a personalized investment portfolio that caters to each client's long-term objectives, appetite for risk, comfort with volatility, and investing preferences. Our disciplined investing process is geared towards maximizing your gains while limiting losses, and is based on the following tenets:

 

• Asset allocation is the primary determinant of the variability in a portfolio's return. As advisors, we view it as the most important of investing decisions.

 

• Timing the markets is futile. In the short term, there are a myriad of factors that affect the direction of the market, however in the long run, it is effective at realizing the value of successful companies. As advisors, it is our responsibility to be mindful of the issues that affect the market today, but not lose sight of our long-term plan.

 

• Investors are subject to an enormous amount of information, much of which is one-sided, and the sum of which makes decision making difficult. As advisors, it is our responsibility to synthesize this information, develop a medium-to-long term thesis, and invest accordingly.

 

• Investors have emotional reactions to the performance of their portfolio which can lead to poor long-term decisions. As advisors, we understand there is a threshold that every investor has, beyond which they are at a higher risk of making reactionary investment decisions as opposed to proactive ones. Our role is to, as best we can, build portfolios where the volatility level does not test a client's emotional limits.

 

Our integrated planning process helps us identify the amount of growth required in order to achieve your long-term financial goals, and is the foundation upon which your investment portfolio will be built, all in the context of the tenets noted above. Furthermore, the plan addresses the risks to achieving those goals, and offers strategies to mitigate them.