We have a  well-reasoned approach to managing your portfolio.  Your portfolio is constructed to help you to obtain your goals using a thoughtful selection of stocks , bonds and other investments in an allocation appropriate for your growth and cash flow needs. Your individual goals, risk tolerance and time horizon are factored into our investment decisions, as are ongoing changes in the market and your personal life. We Believe that protecting  your assets in down-markets is as important as  growing your assets.  Our philosophy is to take the least amount of risk to help  our clients achieve financial objectives.

When selecting equities, we look for companies with high profitability and financial strength across a diverse range of sectors. We strive for a blend of growth stocks and value stocks – identifying securities with a greater than average potential for earnings growth, as well as securities considered undervalued. 

Our portfolios are designed to produce long term total return, by combining current and growing dividends with appreciating share prices. The dividend yield of our portfolio is expected to exceed the dividend yield of the S&P 500. There is no assurance the portfolio will meet its objectives.

  • The core equity component of the portfolio will consist of 20 predominantly Large Capitalization stocks. 
  • The portfolio will seek broad diversification across most of the major economic sectors. A top-down investment approach to these broad sectors will be taken to determine the desired sector exposure of the portfolio. A bottom-up approach to stock selection will be applied thereafter

When selecting fixed income investments, we identify those that offer maximum yields and the highest credit ratings.  We believe in sacrificing short term gains for safety and To mitigate interest rate and inflation risks, we typically seek out short- to intermediate-duration debt investments issued by the U.S. government and its agencies, highly rated corporations and municipalities, and money market funds.

Mutual Funds and ETFs are used to complement our individual security selection to access asset classes such as small, mid and large cap US stocks, sectors, international stocks, core bonds, commodities and alternative asset classes, in order to improve asset allocation and diversification. Portfolios are sometimes invested entirely in mutual funds.

We focus on long term investing and follow established well-defined rules and screening processes, purposely steering clear of highly volatile financial instruments.

Our disclosure statement will give you more detailed information on our philosophy, approach and portfolio construction, portfolio components, legacy program and mutual fund program.