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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If there is one thing we have realized in 2020, it’s that nothing is guaranteed.  Nothing has gone to plan.  Weddings cancelled, graduations cancelled, even things that seem “uncancelable” like March Madness were cancelled.  There really isn’t anyway to know what can go wrong, we just know that unexpected things happen all the time. Bad… Read More

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When the market starts to go down, it can be hard to keep emotions out of your decision making.  Money you have worked hard for starts going down and irrationality sets in.  You tend to think worst case scenario.  “If the market is down 10% in a month, then I’ll be out of money in… Read More

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Every few months, you may hear the phrase “we’re entering earnings season” as you read financial news. But what exactly is “earnings season” and why is it important to Wall Street? Earnings season is the period of time when a majority of publicly traded companies release their quarterly financial reports. Companies often go into great… Read More

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Recently, you may have heard that financial industry regulators established a new set of rules designed to guide investors who work with an investment professional. This new set of rules is called “Regulation Best Interest” rule, otherwise known as “Reg BI.” This rule establishes a series of guidelines about how to meet investors’ best interests.… Read More

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“What does financial responsibility mean to you?” by Julia Kerns When I was younger, my parents would always tell me to save some of the money I’ve received, whether I earned it from doing chores, I was gifted it through birthday or Christmas presents, or simply finding loose change on the ground.  I always thought… Read More

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As a business owner, you’ve worked hard for your success. The long hours, the difficult decisions, and the sacrifices you have made have led to where you are today. The last thing you want is to suffer a disruption to your business. If there is anything that the COVID-19 pandemic has taught us, it’s the… Read More

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