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Investment Philosophy

Investment management is an important part of wealth management. We believe a sound investment strategy must be supported by the foundation of a strong financial plan, which is why our Investment Philosophy offers a different perspective on investing.

Process over products

The “best” investment products in the world will not compensate for a flawed process. Reaching your goals requires a systematic planning and investment process.

Don’t chase the markets

Benchmarking the performance of your investments against a select index, like the Dow Jones Industrial Average or the S&P 500, is deceptive and often meaningless. The real question is whether your investment strategy will help you meet your goals.

There is no single solution

There is no magic bullet. Investing is personal. Families are best served by tailored solutions working in concert with a plan that is flexible enough to change along with life’s transitions.

Be an investor, not a speculator

There is a difference between being a speculator and an investor. Speculation is inappropriate for most, and is certainly not a long-term strategy.

Drown out the noise

Paying too much attention to day-to-day market movements and reacting to noisy headlines can be hazardous to your long-term strategic plan.

Balance risk and reward

Investment strategies should provide balance between a high probability of meeting your goals and a degree of risk that is both appropriate and comfortable for you.

Diversify and rebalance

Although tempting to want to own the hottest company or index, maintaining proper diversification with calculated rebalancing is one key to reducing risk.

Lowest cost is not always best

The cost of investments varies significantly, and while the lowest cost may be the best choice between two equals, it’s not the only factor to consider.

Keep your eye on taxes

Focus on what you keep as opposed to just what you make. Taxes can have a huge impact in unexpected ways; make tax planning a priority.

Take the long view

It’s all but impossible to predict the short term ups and downs of the financial markets. History shows us that time in the markets beats timing the markets.

Keep emotions in check

Emotions and finances are closely tied together. Making decisions based on emotion alone can cloud judgement and wreak havoc on your long-term plan.

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. Re-balancing a portfolio may cause investors to incur tax liabilities and/or transaction costs. No strategy assures success or protects against loss. Investing involves risk, including loss of principal.

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