Investment Management

Personalization Matters

Every investor has unique goals, risk tolerances, and circumstances. We craft bespoke portfolios aligned with your specific needs rather than offering one-size-fits-all solutions.

Institutional Rigor

The sophisticated analysis used by large institutions shouldn’t be reserved only for them. We apply this institutional-grade expertise to benefit investors of all sizes.

Goals Drive Decisions

Your portfolio exists to serve your life, not the other way around. We focus on what your money can accomplish for you and your loved ones, not just on performance numbers.

1. Understanding Your Goals

Before we invest a single dollar, we take the time to understand what matters to you. Through thoughtful conversation, we explore:

2. Determining Your Ideal Asset Allocation

Understanding your risk tolerance is essential. While stocks historically outperform bonds and cash over the long term, they come with greater volatility—sometimes significant.

We work with you to find the right balance between stocks, bonds, and cash—maximizing your potential returns while keeping volatility within your comfort zone. This allocation strategy becomes the foundation of your portfolio, adjusted thoughtfully as markets evolve and your life circumstances change.

3. Ensuring Proper Diversification

Some investment risks are unavoidable, but others can be mitigated through smart diversification. We spread investments across a carefully selected range of securities to reduce exposure to any single company’s fortune.

Our approach typically includes 20-30 stocks to significantly reduce individual company risk, careful management of sector exposure, and thoughtful adjustments if you have significant concentration in a particular company (through employer stock, for example).

4. Selecting Quality Investments

Stock Selection: Our process combines rigorous analysis with decades of market experience. We evaluate each company’s competitive position, growth prospects, and management quality while maintaining strict valuation discipline.

Bond Selection: For fixed-income investments, we prioritize issuers with strong balance sheets, healthy cash flow, and stable operations. Unlike rigid “ladder” approaches, we tactically adjust maturity structures based on interest rate environments and leverage market inefficiencies to find excess value.

5. Continuous Monitoring and Management

Our investment process is not a one-time event but a continuous practice. We constantly evaluate whether current holdings would be purchased anew given current conditions and look for opportunities to rebalance when market movements create imbalances.

We make thoughtful adjustments rather than relying on automatic triggers and always keep your specific goals as our focus when monitoring results and making decisions.