We invest for the intermediate to long term, and we do not day trade or speculate. We begin with an in-depth discussion of expected returns, financial goals, and tolerance for volatility and risk. We develop an individualized financial plan for each client and refine it through further discussion on a regular basis. Using a broad range of sophisticated tools and a proprietary analysis process, we build a portfolio of diversified assets. We add laddered bond portfolios where indicated to build income and reduce risk.

We emphasize quality and tax efficiency, paying particular attention to capital gains and losses we create in the taxable portfolios we manage. We constantly work to reduce transaction costs.

No portfolios are exactly alike, and we sell no financial products.