Proprietary Process

Our investment team designs and maintains three distinct strategies so that we can serve clients with different personal goals ranging from long-term wealth building to a very conservative income emphasis.  Because our ultimate goal is to build a portfolio that will conform to each client's risk profile, we will work around "legacy" investments and special situations knowing that no two clients are the same. 

Early in our discussions with each new client we establish together how much risk is appropriate based on their needs for return and their personal tolerance for volatility. We design each client's portfolio with a great deal of attention to minimizing transaction costs and taxable capital gains. Each of our three strategies has its unique allocation between reserves and our four active investment categories.  Usually the more that is invested in Income Securities, the lower the overall expected return but the more steady the results are likely to be. The more aggressive portfolios typically have a higher allocation to the Growth Opportunities categories in the expectation that over a full market cycle returns will be higher but the ride may be bumpier. 

Our portfolios feature individual stocks as well as a mix of bonds, closed-end funds, ETF's and actively managed mutual funds. Our securities selection process is influenced by our appraisal of the current market risk, our long-term investment "Themes", and our analysis of the fundamental drivers for each of the businesses we invest in.  

Our proprietary R.I.G.H.T. allocation discipline helps assure that our clients' portfolios are truly diversified and reflect current market realities. When you come to visit us we will be happy to explain all of this in as much detail as you like.