Before investing, it is critical to know what types of securities should be sought. Two reasons:

     1. Historically, about 90% of the rate of return of a portfolio is determined by asset allocation.
     2. Cash needs, time horizon, and risk tolerance need to be considered.

Money earmarked for retirement in 3 decades should be handled differently than funds needed for a house in 3 years or groceries in 3 weeks.

When opening an account, it is important for us to know if we are managing all of your investment assets or only a portion.

If we are handling the bulk of your liquid wealth, we will execute a thorough assessment of your goals, attitudes towards risk, and other facets that should affect the manner of managing your funds. If we are assigned only a portion of your wealth, we will work with you to determine the investment objectives of our part of your portfolio.

Individual clients utilize us for:

Institutional clients utilize us for:

Restating, before investing, you should know what the appropriate asset allocation is given your situation.

We can help.