Our Approach

COLLABORATIVE, COGENT AND CONTINUOUS

Asset Allocation: Our investment strategy begins with listening to your needs and wants for financial security.  We overlay it with your tolerance for risk to design an investment strategy that works for you and your values over the long term.  We then agree on target allocations to stocks, bonds and cash and work within a range around those targets to give us flexibility in managing your assets. We touch base with you periodically to make sure the strategy is still appropriate for your needs.   

EQUITY SELECTION: 

Our approach to stock selection is based on our time tested methodology that we have honed over the length of our investment experience.  We focus on domestic companies that have demonstrated an ability to grow their earnings and revenues, and are expected to continue to do so in the future.  These companies also have stellar balance sheets and healthy cash flow.  We reduce risk by diversifying holdings over market sectors, and typically hold about 30 stocks in your portfolio.  We adjust these holdings to accommodate your preference for income or growth and your environmental, social and religious values. For taxable accounts we pay attention to holding periods and turnover to minimize capital gains. 

FIXED INCOME SELECTION:

We purchase domestic investment grade bonds, structuring a portfolio to meet your tax situation and need for income and liquidity. For taxable accounts, we prefer to purchase municipal bonds from your state of residence to reduce your taxable income.  For retirement accounts, we primarily choose bonds of companies that we know well, so we can monitor their continuing credit worthiness.  To reduce credit risk, we diversify municipal bonds by type and municipality.  Corporate bonds are diversified by sector. We reduce interest rate risk by buying a ladder of bonds that mature each year.