Our Firm

Our firm has been in business for over 30 years.  We help individuals and business owners control the risks associated with saving, investing and managing their assets.  We offer financial, retirement and estate planning services.  We implement investment strategies using traditional investments if necessary, but our main focus is on custom designed, professionally managed portfolios.  These portfolios  require a minimum of $250,000 and are managed on a fee-only basis.   

We offer ten diverse portfolios, four high risk alternative portfolios and a socially responsible portfolio, all designed the take advantage of market efficiencies, keep costs to a minimum and be tax neutral.   We use DFA Funds (only available to a limited number of advisory firms), Exchange Traded Funds (ETFs), Individual Bonds and Preferred Stocks plus Real Estate Investment Trusts (REITs).  The average number of securities in a typical portfolio exceeds 12,000.  We do not stock pick, market time, speculate or gamble with our client's investments. 

The disciplined approach that we utilize beings with a careful assessment of your individual needs and aspirations.   Using our in-depth data gathering and investment questionnaires, we develop a comprehensive profile for you.  This serves as the foundation for a life-long investment strategy designed to suit your specific needs and objectives rather than adhering to a standard pattern of "one size fits all".  To implement a strictly disciplined investment strategy tailored to your specific situation, we work together with you and provide annual meeting with CPAs and Attorneys for High Net Worth Clients. 

Our mission is to fully understand each clients's unique investment goals and establish a personalized investment plan to meet them.  We utilize proven professional money management techniques to help our clients simplify their finances and grow their wealth.   

Our philosophy holds that a well diversified portfolio adopting a passive investment strategy will always beat an actively managed portfolio over the long term.