Money Matters

Planning and building for the future at any stage of life

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Whether you are just beginning your earning years, saving for your child’s education or planning for retirement, we understand your goals and dreams. We offer strategic wealth management services to help get you there.

For many of our clients, we spend time discussing the financial decisions that impact our clients throughout their financial life. They are considering buying their first home, deciding how much insurance is appropriate and  making the right choices about how much to save in their 401(k) plan. Others are interested in the basics of budgeting and saving, and the principles of investment diversification. Our wealth advisors recognize that all of these financial concepts are important to building a secure financial future.

We offer strategic wealth management services to provide financial education, guidance, investment and tax planning strategies.

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Our Investment Philosophy

To ensure that our actions are aligned to best serve our clients, we have a clearly stated and structured investment philosophy.  An Investment Committee is involved in all aspects of asset allocation, tactical allocation and investment selection to support our clients financial goals. We believe that a formal process combining these important considerations is critical to our success.

Asset Allocation

The foundation of our investment strategy is asset allocation. Research indicates that approximately 90% of an investment portfolio’s performance is determined by the asset allocation. We believe that selecting the appropriate allocation is the most important element in determining investment success. Our portfolios range from conservative to aggressive.

Tactical Allocation

We believe there are times where it is beneficial and prudent to modify the mix of a portfolio in response to current or expected market conditions. Using a tactical overlay approach allows us to potentially add value during those market opportunities. Our Investment Committee meets frequently to discuss our stance on the global economy and the financial markets and to ensure that we have the appropriate processes and procedures in place to support our decision making.

Manager Selection

An important component of a strong investment portfolio is the manager selection. We attempt to select managers that consistently outperform their market benchmarks and peers. Despite extensive research, we have not found clear or unbiased evidence demonstrating the superiority of active or passive portfolio management. Our portfolios employ a combination of both active and passive strategies to support our manager selection and investment philosophy.

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