Our Investment Beliefs 

Warren Buffet said, “Only when you combine sound intellect with emotional discipline will you get rational behavior”.  We couldn’t agree more.  

 

Investors are exposed to risk through their emotional reactions to the volatility of stock markets and the temptation from abnormal investment returns. It’s hard to blame investors as there is no shortage of unnerving events or information such as the normal ups and downs of market cycles, bad news headlines, a tempting sales pitch, the fear of missing out on a ‘hot investment’, misleading information on fees and so much more. We work to educate investors on the best practices of successful institutional programs and avoid the negative impact to returns from emotional reactions.  Our goal is to educate investors and manage those emotional risks in regards to your savings and avoid the negative impact to investor returns from emotional reactions.

 

We build investment portfolios tailored to each client and their unique circumstances including expected returns, time horizon, liquidity requirements (withdrawals), comfort with risk/volatility and other preferences such as tax efficiency and ESG (Environmental, Social, Governance) along with prioritizing growth, income or capital preservation.

 

Our team utilizes a well-defined process to provide prudent portfolio management that is unique to each client or organization built on the basic beliefs that form the foundation for our portfolios.

 

1.    Own quality investments.
2.    Diversify your investments.
3.    Invest for the long term.
4.    Hire professionals to manage your investments.
5.    Implement a cost effective investment strategy.

 

After all, as Benjamin Graham said, “The essence of investment management is the management of risk.”

Statement of Investor Rights

One of the guiding principles of our team is the Statement of Investor Rights created by the CFA Institute. These rights reflect the fundamental ethical principles that are critical to achieving confidence and trust in any professional relationship.

1. Honest, competent and ethical conduct that complies with applicable law;

2. Independent and objective advice and assistance based on informed analysis, prudent judgment and diligent effort;

3. My financial interests taking precedence over those of the professional and the organization;

4. Fair treatment with respect to other clients;

5. Disclosure of any existing or potential conflicts of interest in providing products or services to me;

6. Understanding of my circumstances, so that any advice provided is suitable and based on my financial objectives and constraints;

7. Clear, accurate, complete and timely communications that use plain language and are presented in a format that conveys the information effectively;

8. An explanation of all fees and costs charged to me and information showing these expenses to be fair and reasonable;

9. Confidentiality of my information;

10. Appropriate and complete records to support the work done on my behalf.