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About Us

Knowledge is power.

Client Centered

It’s also the foundation for intelligent, well-considered decisions. When you have retirement in sight, sound decisions are vital in helping you pursue your goals and potentially avoiding costly mistakes that can impact your future. For many, understanding every aspect of personal finance can be daunting. From investments to retirement to insurance, the decisions can be overwhelming.

As financial professionals, we are committed to helping people just like you create solutions for their retirement assets. Once we understand your risk tolerance, time horizon, and goals, we'll work to develop a program that carefully helps balance investment strategies with helping to preserve principal.

Today’s economic environment brings challenges. But along with challenges come opportunities and potential rewards. We work closely with our clients to help evaluate those opportunities and potentially reap those rewards. 


Performance varies from client to client, depending on their customized portfolio and overall investment goals. In general, our goal is to manage our portfolios to capture approximately 120% of the upside and 50% or less of the downside volatility relative to the benchmark, net of fees. In rare periods of a true bear market (versus normal correction volatility), we prioritize capital preservation and may temporarily deviate investment policy to accommodate higher amounts of cash and protective instruments.

Proper Diversification

In addition to our investment philosophy and low fee structure, we also seek to enhance returns through efficient diversification. This is a discipline we frequently observe missing altogether when analyzing portfolios of investors considering our service.

The concept of diversification is simple – don’t put all your eggs in one basket. Implemented properly, diversification can potentially eliminate the non-systematic (idiosyncratic) risk of a portfolio. There is prominent academic research suggesting that optimal diversification is achieved by owning 10-50 stocks.

Too much diversification, however, can potentially have a detrimental effect on an investment portfolio, and may lead to poor performance, higher risk and increased costs. These impediments are often associated with portfolios that contain multiple mutual funds wherein security duplication, competing strategies and hidden fees can exacerbate performance drag.

According to Warren Buffett2 , “wide diversification is only required when investors do not understand
what they are doing.” Have you noticed the any signs of over diversification in your investments? We can help breakdown and identify potential inefficiencies of your portfolio with our free portfolio analysis service. 

Disclosure: Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment loss. As with any investment strategy, there is the possibility of profitability as well as loss.
Graph: Elton, Edwin J., Gruber, Martin J., Brown, Stephen J. & Goetzmann, William N. (2010). Modern Portfolio Theory and Investment Analysis – International Edition

1 Evans, John L. and Archer, Stephen H. (1968). Diversification and the Reduction of Dispersion: An Empirical Analysis in The Journal of Finance, Volume 23, Issue 5 Statman, Meir (1987). How Many Stocks Make a Diversified Portfolio? In The Journal of Financial and Quantitative Analysis, Volume 22, No. 3 Campbell, John Y., Malkiel, Burton G., and Xu, Yexia (2001). Have Individual Stocks Become More Volatile? An Empirical Exploration of Idiosyncratic Risk in The Journal of Finance, Volume LVI, No. 1

2 Price, Steven D. (2009). The Quotable Billionarie: Advice and Reflections From and For the Real, Former, Almost and Wanna-Be-Super-Rich and Others

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