“The time to repair the roof is when the sun is shining” – JFK
“The essence of investment management is the management of risk, not the management of returns” – Benjamin Graham
“Only when the tide goes out do you discover who’s been swimming naked” – Warren Buffett
In the world of prudent, disciplined investing these quotes are ones to live by. To help you reach your goals we continue to implement our O.N.E. Client Commitment™ when managing your investments. Through our Private Client Group offering we navigate you towards your goals by utilizing our firm’s proprietary “Advance & Preserve” portfolio models. This is not your traditional buy and hold strategy or a predictive strategy. It is a proactive, disciplined, risk management strategy. We combine relative-strength rankings, current market trends, and predetermined minimum and maximum equity exposure allocations. Your financial advisor makes tactical quarterly portfolio adjustments and utilize low cost exchange traded funds (ETF’s). The objective of the strategy is to seek gains during advancing markets and preserve capital in sideways or negative markets.
As an independent financial advisor, we believe it is equally important for our clients to utilize an independent custodian. As such, we have selected Charles Schwab & Co., Inc. as the primary custodian of our clients’ assets. We believe Schwab provides our clients with the best combination of security and service that is available in the industry. Choosing Schwab Institutional as your custodian gives your financial advisor access to comprehensive services from one of the largest and most experienced firms in the business. As of November 30, 2014 Schwab is custodian to $2.48 trillion in client assets. We believe the asset security measures of Schwab , those required by our industry’s regulators and the additional levels Schwab elects to offer, provide our clients with the protection they seek when choosing a custodian. Schwab is a member of the Securities Investor Protection Corporation (SIPC) and provides additional brokerage insurance through underwriters at Lloyd’s of London. Lastly, Schwab sends out independent reporting to our clients through monthly statements and trade confirmations.