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Our Investment Approach

A balanced approach to portfolio management is the engine that powers your financial plan

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Over 20 years of experience and knowledge has prepared us for the challenges of a changing world

Studies have shown that people who have a sound financial strategy are more likely to stay in the game

Studies have shown that people who have a sound financial strategy are more likely to stay in the game

But multiple severe bear markets since 1999 have taught us that different economic and market cycles require greater investment flexibility than a simple buy and hold, "ride it out" strategy will allow, especially when taking withdrawals from a portfolio.

Because of this, we endeavor to take a "win by not losing" approach*Our approach focuses on strategies that combine modern investment methods like technical analysis with more traditional methods such as fundamental analysis, valuation analysis and Modern Portfolio theory.

When necessary, these include strategies that seek to help limit downside risk and draw down of your portfolio, along with a "core/satellite" strategy designed with a goal to take advantage of market opportunities.

We provide ongoing investment advice based on a percentage of the advisory assets we manage for them

We provide ongoing investment advice based on a percentage of the advisory assets we manage for them

We manage advisory assets on a discretionary basis through our custodians, LPL Financial and Charles Schwab, along with compliance oversight from Independent Advisor Alliance LLC, an SEC Registered Investment Advisor

Through these alliances, we construct portfolios using individual stocks, bonds, exchange traded funds (ETF's), mutual funds and 3rd party outside managers, along with research provided by companies like BlackRock, JP Morgan, Goldman Sachs, Morningstar, and S&P.


While there are certainly no guarantees...

We will recommend a portfolio of investments that seek to provide the returns your wealth plan has indicated you'll need, and is aligned with your goals, values and tolerance for risk.

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Charles Schwab and Independent Advisor Alliance LLC are separate entities from LPL Financial

Financial planning, account aggregation, goal setting and addressing other important areas of your finances (in addition to your investment portfolio) may be offered for a separate fee, or bundled with asset management fees. 

*A "win by not losing" approach does not indicate the portfolio will not suffer losses, only that our strategies seek to manage downside risk as well as upside potential. Market conditions and your particular asset allocation - based on your tolerance for risk and investment goals - will ultimately determine the majority of portfolio performance, and will effect investment decisions for your particular situation. Past performance does not guarantee future results. 

All investing involves risk including the possible loss of principal. No strategy assures success or protects against loss.