
Individual
Clients
Investment Management
It’s our belief that in order to serve our clients’ best interests, we need to have a complete understanding of their long-term goals, ongoing needs, and unique financial situation. More than crunching numbers and running projections, we spend the time that is necessary to build a familiarity and knowledge base to confidently serve as their trusted advisor.
We then customize our clients’ portfolios based on their unique needs and risk tolerance. The allocation between Equity and Fixed Income is based on the following criteria:
- Return Objectives
- Time Horizon
- Ability and Willingness to Take Risk
- Overall Asset Base
- Liquidity Needs
- Income Requirements

Financial Planning
We work with our clients to develop and execute a comprehensive financial plan. This includes educating them on the overall outcome and prioritizing action items. Areas of focus include:
- Overall Understanding of Long-Term Goals
- Cash Flow Analysis
- Retirement Projections
- Estate Planning
- Insurance Review
- Education Financing
Equity Investment Process
Our goal for the Equity exposure in a portfolio is to generate competitive long-term returns with a lower risk profile relative to the respective benchmark. We accomplish this by carefully analyzing the results of our proprietary research on individual companies to create a concentrated portfolio diverging from the benchmark.

Our ranking system screens the global stock universe to identify a subset of investment candidates for consideration.
We focus on business quality, sustainability of business and market growth, eliminating all companies that are not investable, regardless of valuation.
The result is a concentrated portfolio of companies trading at a discount to their intrinsic worth.
Fixed Income Process
Our goal for the Fixed Income exposure in a portfolio is to achieve capital preservation and moderate levels of income. To that end, we employ passive Exchange Traded Bond Funds.
We believe high-quality bonds are the best hedge against the volatility of common stocks. The majority of our fixed income investments share the following characteristics:
- High Credit Quality
- Lower Interest Rate Sensitivity
- Diversified Exposure to Governments, Agencies, TIPS, Corporates and Municipals

Transparency
Our fee-only business model means we only do well when our clients do well. Our incentives are directly tied to growing our clients’ wealth and protecting their assets.

Simplicity
We invest client funds directly into a portfolio of companies. We understand what we own and are accountable to clients for holdings and performance. We are not outsourcing management or diversifying among many asset ‘buckets’ where performance and fees become confusing.

Independent / Unbiased
As a partner-owned firm, we are independent and free of outside owners. We do not sell products of any kind and there are no incentives to transact. We keep portfolio turnover low because it produces better long-term results.

Relationships
Delivering competitive returns with an appropriate risk profile for each client is a central objective. However, clients come to trust us for all manner of investment advice and financial planning. As a result, the relationships we develop typically span more than a decade.

Consistent Investment Process
We stick to a proven investment process and do not time the market. Clients are paying us for our judgment as well as a comprehensive research process that involves debate, rigor and patience. We monitor what we hold and analyze how the portfolio will react to changing markets.

Communication
Keeping an open dialogue is vitally important and we are proactive with clients. Clients do not deal with intermediaries but have direct access to the portfolio managers investing their account to address any questions or issues.

Team Player
As a trusted advisor to our clients, we work extensively with other professionals such as accountants, attorneys and actuaries to help solve client problems in a timely manner.