“Manage your investments to your life’s changes and not as a reaction to market changes.”

Wes Shannon, Investopedia

Our Investment Policy

We don’t like to lose money. We encourage clients to take the most conservative route to their goals.

Our investment recommendations are intended to work for the client’s long-term goals.

We believe in the weak form of the Efficient Market Hypothesis. We don’t engage in market timing or classical technical analysis. We use appropriate mathematical measures of risk and return. The standard deviation is our primary measure of risk and we use the Sharpe Ratio for risk adjusted returns.

We believe a tactical asset allocation is the most important determinant for long-term portfolio performance.

You won’t be sold something you don’t need. We are a fiduciary and work only for the client. We won’t be pushing an investment because our home office asks us to, or because we get a commission.

You will have access to more investment options. We are independent and use TD Ameritrade Institutional as our custodian, giving us access to institutional investment options not offered to retail customers.

You can track your investments online and through your phone using the TD Ameritrade “Advisor Client” app.

Your investments will coordinate with your financial goals.

You get 24/7 access to financial advice from a Certified Financial Planning Professional™.


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