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Investment Philosophy

Our philosophy begins by understanding every client’s situation, both where they are now as well as where they want to be in the future according to what is most important to them. Understanding a client’s unique circumstances, objectives and risk tolerances is the key to any successful, advice-driven investment plan. Our goal is to help clients articulate and realize their personal financial goals. We do this by:
  • First and foremost, we begin by listening – We get to know our client and work very carefully to understand their situation, prioritize their goals, and determine the need for income. With private clients we discuss income with the consideration of any estate or tax issues that may affect how the portfolio is structured, and with our institutional clients we consider income through asset allocation and spending policies. This is the best way to determine needs and solutions.

    Articulating goals is only the beginning.

  • We then design customized solutions for each client by building a mutually agreed upon written Objective/Investment Policy Statement, which designs a strategic portfolio around the client's goals. 

    This working document becomes the basis of the portfolio's construction, and asset allocation is reviewed carefully in subsequent   meetings to ensure that it continues to accurately reflect the client's goals, objectives and risk tolerance.

  • We implement the investment plan and continuously manage the portfolio. Within the guidelines detailed in the Objective/Investment Policy Statement, the process of implementing the investment plan begins with purchase of shares of stock and/or high grade bonds if appropriate. 

    A team is assigned to each portfolio with a lead portfolio manager, a backup portfolio manager, an administrator, and a client service specialist who stay accountable and dedicated to the life of that relationship.

  • We monitor the plan and report results. We establish periodic conferences with all clients, which allow us to review performance and holdings, and discuss changes in the client's objectives which might impact investing strategy.

  • We communicate with our clients. Effective and timely communication with our clients is critical. We proactively communicate with our clients in that they receive an account statement that details any purchases or sales that have occurred during that quarter.
     
    Quarterly, our clients receive a comprehensive report that details the value and composition of their portfolio assets. Our clients depend on our clear, precise reports on the performance of their assets - especially the year-end summary, which is of great assistance during tax preparation.
     
    We work closely with our private clients' attorneys and accountants to design and implement prudent estate and tax planning strategies.