Our Investment Philosophy

We believe in an investment strategy that combines suitable investments into a diversified portfolio that our clients' will be able to live with for the long term.  We do not incorporate market timing nor day trading strategies as we believe these are dangerous to your financial health.  We use Modern Portfolio Theory and Asset Allocation techniques to construct a portfolio that will help meet our clients' goals and expectations.  Our goal is simple.  We help manage you through the different risks associated with preserving and growing your assets.  So that we can help you reach your objectives.  Being an independent representative allows us the freedom to choose from a broad array of products and services.  There are no proprietary products I must represent.

We use a four step process that we believe an independent investor needs in order to help achieve their goals.  They are:

  • Identify goals and objectives
  • Develop an Investment Policy Statement (IPS)
  • Provide recommendations for assets
  • Monitor and review

Each one of these objectives are accomplished in our initial meeting and is also implemented for the long-term in regards to quarterly or annual meetings.  This concept is based on an analogy of weeding your garden.  You don't set up a plan and never look at it again.  I strive to give my clients the best possible service by providing many services including;

  • Detailed investment performance
  • Quarterly News Letters
  • Web based information and services
  • Personalized attention

 

Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Neither diversification, rebalancing, asset allocation nor the use of Modern Portfolio Theory can ensure a profit or protect against a loss.

The following scripture verses shall be the foundation on which the values of my practice, its products and services, and its marketing practices will be based.

 

 

 

 

Luke Chapter 16:11 "If therefore you have not been faithful in the use of worldly wealth, who then will entrust the true riches to you?",

Colossians Chapter 3:23-24 "Whatever you do, work at it with all your heart, as working for the Lord, not for men, since you know that you will receive an inheritance from the Lord as a reward. It is the Lord Christ you are serving.";

Proverbs Chapter 21:5 "The plans of the diligent lead to profit  as surely as haste leads to poverty.";

Ecclesiastes Chapter 11:2 "Give (money) portions to seven, yes to eight (diversify), for you do not know what disaster may come upon the land.";

Philippians Chapter 2:4 "Each of you should look not only to your own interests, but also to the interests of others."