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The Redwood Tree is one of the tallest (350 feet tall) trees in the world, yet it cannot thrive in the wilderness alone. Because its roots are very shallow; often only five or six feet deep, they flourish in thick groves, where the roots can intertwine and even fuse together. This provides the Redwood tremendous strength against the forces of nature, allowing them to withstand high winds and raging floods. Our clients are like the Redwood and our network of specialists is the supporting grove. We help our clients reach their fullest potential by providing them financial guidance that allows them to confidently make financial decisions to weather the constantly changing economic climate.

Investment Philosophy

Our investment philosophy is based on our belief that the most important investment decision an investor can make is not which investment to buy – but rather, how assets should be allocated based upon the investor’s attitudes, objectives, circumstances and risk-taking capacity.

We are a Registered Investment Advisor. This means, we have a fiduciary duty and fundamental obligation to provide suitable investment advice and always act in the client’s best interests.

Our firm is specialized in the way that we focus on the Risk Management of Investment Portfolios while striving to meet the performance goal. By optimizing risk over, “gain at any cost” we address our clients’ objectives in a much more consistent manner. To accomplish this, we implement the following primary strategies:

  • We believe in Tactical Asset Allocation above of traditional Strategic Asset Allocation. We understand that whether we are heading into a recession or bull market, it is important to make decisions that can work with the current environment while keeping an eye on conditions down the road. Our LPL Financial research team works to determine the appropriate areas of the market in which to invest on an asset allocation basis. They continuously monitor the ideas held in the portfolios and those that are up-and-coming to ensure that we have the most strategic ideas in the portfolio at all times. Our research team consists of seasoned and accomplished industry veterans, comprising one of the largest and most experienced research groups among independent brokerage firms. The team works continuously to interpret and adjust to the latest economic and financial developments to help ensure consistent monitoring and meaningful, current information.
  • We believe that both active and passive management styles offer value to portfolios and thus combine the styles in our portfolios to enhance return and mitigate risk.
  • We purchase investment grade individual bonds/fixed income* to help control Credit Risk, Yield, Maturity, Expense, etc. and diversify these core bonds with other bond classes.

*Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. 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.

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Latest Updates

The SECURE act was signed into law on December 20, 2019.  There are some key provisions that may have an impact on your retirement strategy.  Let’s focus on post 70 ½ IRA Contributions. OLD LAW – An individual who is 70 ½ by the end of the year may not make a non-rollover contribution to… Read More

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The SECURE act was signed into law on December 20, 2019.  There are some key provisions that may have an impact on your retirement strategy.  Let’s focus on the provision of dealing with plan withdrawals for birth or adoption. OLD LAW – Generally, distributions from a qualified retirement plan, 403(b) plan, 457(b) plan, or IRA… Read More

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The SECURE act was signed into law on December 20, 2019.  There are some key provisions that may have an impact on your retirement strategy.  Let’s focus on the increased required beginning date.  This applies to Required Minimum Distributions (RMD). OLD LAW – RMDs generally must begin by April 1 of the calendar year following… Read More

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The SECURE act was signed into law on December 20, 2019.  There are some key provisions that may have an impact on your retirement strategy.  Let’s focus on the Required Minimum Distributions, or RMDs, rule for designated beneficiaries. OLD LAW – After death, RMD rules permit the designated beneficiary to draw down the remaining plan… Read More

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New year, New you?!? Do bad money habits constrain your financial progress? Many people fall into the same financial behavior patterns, year after year. If you sometimes succumb to these financial tendencies, now is as good a time as any to alter your behavior.  Even though you can implement changes at any point in the year,… Read More

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When I say Long Term Care, what feelings do you have?  If you’ve experienced it with a parent or loved one, no question you’ll feel sadness and anger.  Maybe you haven’t experienced it, and you’re confused because you’re not sure what to prepare for?  One thing is for sure, Long Term Care can be a… Read More

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