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40% of U.S. workers have saved
less than $25,000 for retirement.*

*2019 Retirement
Confidence Survey, EBRI

Only 42% of Americans know how
much money to save for retirement.*

*2019 Retirement Confidence Survey, EBRI

43% of retirees left
the workforce earlier
than planned.*

*2019 Retirement
Confidence Survey, EBRI

Our Investment Approach

 Our approach to wealth planning is the direct result of our cost efficient, risk acknowledged investment philosophy and total commitment striving to always act with the clients' best interest in mind.

 

Investment Philosophy 

We believe that wealth is created through long-term participation in the global economies. In order to pursue these goals we evaluate the clients risk tolerance and then custom tailor a portfolio to meet those needs.

 

Measured Approach to Risk and Return

We carefully measure our clients'  risk tolerance relative to their long term goals. We understand that each individual is different with regard to their needs and their level of risk tolerance. Thus we strive to help the client understand how to properly diversify their portfolios amongst the various asset classes and how to properly manage a portfolio through asset-rebalancing.

 

Strategic Asset Modeling

We strongly believe in a strategic long-term asset allocation. Since it is nearly impossible to consistently predict the direction the markets or economies may move, we structure portfolios that focus on long-term goals. Thus we take the client through many market cycles rather than trying to time the market on various highs and lows. This will hopefully allow our clients the ability to better understand how to manage the short-term volatility that a portfolio may experience and have them focus more on the goals they originally set forth to accomplish.  

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.