Our Philosophy

We strongly believe there are two circles: The circle of concern and the circle of influence. One we have absolutely no control over and the other we can greatly impact. We are very concerned about market performance, about inflation, the price of oil, interest rates, and the war in Iraq. But there is nothing we can do about any of these issues. And neither can any other financial advisor. So we believe in concentrating on the circle of influence. By directing our efforts to areas we can influence our clients have a much better chance of pursuing their objectives. We do this by listening closely to our client’s goals, risk tolerance and time frame. Once we know everything we need to know about a person we can move forward with a financial plan. After implementing the plan, we actively manage portfolios using asset allocation. Diversifying your investments using asset allocation models * for the long term seems to work well. There are no wizards of Wall Street. So, until someone can show us how to invest in the past, we will continue to diversify among many asset classes and let others try to predict the future.

*Asset Allocation does not ensure a profit or protect against a loss.  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.