Investment Philosophy

When building an investment portfolio I focus on two main targets:  client goals and risk tolerance.  It has been my experience that many financial plans miss the mark on these items.  Risk planning can impact goal achievement or avoid unnecessary volatility.  I invite you to take a complimentary portfolio risk assessment - the assessment will begin by clicking on 'Free Portfolio Risk Analysis'. 

Once I have a clear understanding of a client’s goals and risk tolerance, I tailor a portfolio to fit.  The overall guiding philosophy I espouse includes the following: 

• Markets work and are efficient
• Time in the market matters more than timing the market
• Risk and return are related, but not all risk is worth taking
• Broad diversification is key
• Asset allocation is essential
• Keep portfolio turnover to a minimum
• Rebalancing is necessary
• Tilt to small cap and value to seek added growth opportunity
• Avoid products that are unduly complex
• Keep fees as low as possible 

Once the portfolio has been optimized, we will review to ensure a ‘goodness of fit’.  All portfolios are built upon each client’s objectives, but always contain flexibility to evolve and adapt as time and needs change.