individuals & families

We partner with you to build lasting investment portfolios by drawing from our deep team of experts and institutional caliber portfolio and risk analysis.  Each family has unique needs, challenges, wants, and desires.  We co-create portfolios with you by taking into account all facets of your family’s life.  Our investment portfolios are built for the long-term, with consideration for needs of the short-term.  Our investing tenets guide our decision making at every turn:

• Long-Term Investing: We co-create an investment policy statement with each client and set a long-term strategic asset allocation that serves as the basis for all investment decisions

• Risk Management: Unlike other consulting and advisory firms, we don’t believe that volatility necessarily equals risk.  We define risk as the permanent loss of capital.  As such, we focus on downside risk and the perils that come with large losses.

• Endowment Approach: We believe in a total return approach to investing.  Income investing can be a great marketing tool but in reality families are better off creating a reasonable spending policy and receiving gains from a combination of capital appreciation and income.

• Objective Advice: Our Consultants and in-house research team pride themselves on providing objective, conflict free investment advice.  With no proprietary products and no affiliation with asset management firms, we are free to pursue the best interest of our clients.