Successful investing is about more than gains and losses; over the long term it encompasses everything from your values and your goals to your legacy.

We believe your investment plan should align with your personal values and objectives. That’s why our fiduciary investment approach ensures that your best interest always comes first.

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Our team of Chartered Financial Analyst® portfolio managers combine independent research and smart technology to make informed investment decisions.

Guided by fundamental analysis, our investment process is based on numerous macro factors including industry and market conditions, demographics and government regulations. But we also consider technical factors, such as investor behavior and other trends, which can directly impact the short-term value of certain assets. It’s a critical and delicate balance between short-term impact and long-term rewards.

The Investment Process

  1. 1
    Identify Investment Objectives and Constraints
  2. 2
    Create Your Personal Investment Plan
  3. 3
    Develop Your Portfolio Asset Allocation
  4. 4
    Implement Your Investment Plan
  5. 5
    Monitor and Rebalance Your Portfolio

Investment Planning

Asset allocation and diversification are the foundation for developing a solid investment plan. Efficient portfolio design should reduce costs and optimize tax efficiency. Our team of fiduciary investment advisers can help you develop a custom investment plan tailored to your financial goals. We use independent research to hand pick a diversified mix of investments for your portfolio. This mix includes:

  • Stocks
  • Bonds
  • Exchange Traded Funds (ETFs)
  • Mutual Funds
  • Alternative Investments

Managing Risk

Investing involves both risk and reward, the key is finding a balance aligned with your financial goals. Our fiduciary investment process begins with identifying your risk comfort zone to develop realistic expectations for short-term volatility and long-term reward. We do this with help from Modern Portfolio Theory, a Nobel Prize winning investment approach to balancing risk and return. This includes:

  • Risk Number® Technology
  • Portfolio Risk Score Monitoring
  • Investment Policy Statement
  • Financial Account Aggregation

Tax Managed Investing

Your portfolio should be constructed to minimize the impact of taxes through security selection and tax efficient trading. Most investors have multiple goals and various accounts dedicated to saving for them. We use this to your advantage by placing certain types of investments in the right accounts. We also help clients make tax advantaged investment decisions using strategies such as:

  • Tax Loss Harvesting
  • Strategic Asset Location
  • Tax Advantaged Accounts

Controlling Costs

While you may not be able to control investment returns, you can control the fees you pay for investing your money. As a fiduciary investment adviser we ensure our clients best interest always comes first, and that includes minimizing investment expenses. By using these different investments we’ve succeeded in building low-cost, tax-efficient investment portfolios that can help minimize risk and maximize returns:

  • Institutional Class Mutual Funds
  • ETF and Index Funds
  • Individual Stock Portfolios

Retirement Accounts

Our team of Chartered Retirement Planning Counselors® can help you determine which types of retirement accounts will work best in meeting your financial goals. We make it simple to setup, consolidate and transfer all types of retirement accounts including:

  • Traditional IRA
  • Roth IRA
  • Roth Conversions
  • Rollover IRA
  • Inherited IRA

Cash Management Solutions

Flexible cash management services can provide access to spend and manage your money the way you want. Enjoy the convenience of traditional banking features with your TD Ameritrade account. Use a debit card, write checks, send wires and ACH funds directly from your investment account with access to:

  • Money Market Funds
  • Certificates of Deposit
  • FDIC Deposit Insurance
  • SIPC Protection

Investing Solutions for Business Owners

We believe investment decisions should be aligned with your business goals. Whether you’re investing some of your working capital, saving for retirement or planning for a business transition, our fiduciary advisers can help with:

  • Business Accounts
  • Retirement Plans for Business Owners
  • Corporate Philanthropy