Broker Check

Investment Management

Retirement Income ▼

Investment Portfolio Review ▼

Wherever you want your investments to take you, we’ll help you get there.

As a firm, we are singularly focused on helping you accumulate and manage the assets necessary to live the lifestyle you envision. We’re not selling mortgages, offering credit cards, flipping houses, or auditioning for shark tank….we’re focused on prudently managing your money to give you the freedom to live life your way.

It’s all about you. Fiduciary care.

Objective, fee-only investment management. Your interests are the driving force behind every decision we make. Being an independent, privately owned firm, our perspective is our own, allowing us to select only those investments and solutions that best serve you, our client.

How we Invest

When it comes to investing, you might say that we’re boring….And we feel that’s a good thing. Our approach is not likely to keep people riveted at the next family gathering, or company cocktail party, but it’s intended to help deliver less stress, more sleep and expected results -- both in good and bad markets.

We don’t “swing for the fences”. We take a pragmatic approach to investing that is built on extensive knowledge of market history, a keen understanding of economic cycles, and robust securities analysis. In other words, we employ proven strategies and avoid traps like trying to time the markets… or chasing the latest fad.

We feel slow and steady wins the race over haste and shortsightedness. Creating an investment strategy that attempts to minimize large losses is a key to long-term success.

The basic tenants of a “boring” investment strategy

The core of our investment strategy is investing in dividend paying stocks. What we refer to as “slow and steady” growers, companies who have consistently raised their dividends for 25, 30, or even 50 years or more. These companies typically have more dependable earnings growth than those with inconsistent dividend raises, or that pay no dividend at all. As a result, they have historically been more stable in periods of market volatility.

Slow and steady might be viewed as “boring” by some people, but we view it as an alternative to having an ulcer from the anxiety of seeing your investments soar and then plummet with the next market correction…. and your current or future retirement lifestyle following.

A “boring” investment strategy doesn’t mean underperformance. To the contrary, many consistent dividend raisers have outperformed the broader market over the long- term, many times with less volatility.

We strive to minimize costs and fees

Costs are a significant detractor of overall investment returns, and as a result, we pursue the most cost effective means in managing your portfolio, including owning individual securities, fixed income investments and low cost mutual funds and ETF’s.

In addition, unless special circumstances exist, we do not outsource the management of your investments as many other wealth management firms will do. The only investment management fee you pay is ours. This avoids a second, or sometimes third layer of fees that are added on by the outsourced firm.

To learn how our Investment Management services can help you achieve the lifestyle you envision. Contact us today.

Retirement Income Portfolios

After a lifetime of hard work and sacrifice, it’s time for your money to take over and begin working for you.

Sometimes that’s easier said than done. As you begin your life in retirement you find yourself in a potentially tricky situation. You have an immediate need to generate a steady, and hopefully rising income stream to live on, while also ensuring your retirement assets are able to last for a potentially long life.

Successfully linking your available retirement funds to the lifestyle you desire, while managing both downside and longevity risk are what retirement income planning and investing is all about. It’s where the right investment approach can make all the difference in the world between a comfortable, well lived retirement, to one filled with worry and regret.

We take that responsibility seriously. And it’s reflected in the prudent manner in which we invest the funds you have entrusted with us. Our balanced and diversified Retirement Income Portfolios are designed with the objective to generate sustainable, inflation-protected income, while reducing volatility and downside risk.

We don’t overcomplicate the management of your retirement funds. We prefer simple, straightforward and pragmatic investing and a fee structure that you can actually understand. And that understands you. In retirement, when it comes to investing, we think “boring” is good.

To learn how our Retirement Income Portfolios can help you retire with more confidence, contact us today.

Investment Portfolio Review

Like many people, you have most likely accumulated a variety of investments over the years from different sources. You may have several 401(k) plans from your current and previous employer(s), an IRA or two, perhaps an annuity, some mutual funds, ETFs, or a variety of individual stocks and bonds.  Maybe you even have some “investment thingy” that you’re not even sure what it is….or how is works. Sound familiar?

You may also now find yourself with multiple advisors and investment firms, each overseeing a portion of your investment portfolio. A mutual fund company, brokerage firm, a bank advisor, or even your insurance representative, all responsible for a piece of your financial future. This often leads to an un-coordinated investment strategy, conflicting advice, increased costs, and poor overall investment performance.  And ultimately, your retirement lifestyle being more left to chance and circumstance than through careful planning and a purposeful, integrated investment strategy. 

We get it. We can help.

A thorough, unbiased Investment Portfolio Review can help you better understand where you are now and what steps you can take to better align your investments under one cohesive strategy, all working together to achieve your objectives.   

Here is what you will learn:

  • What investments you own and how they work
  • An assesment of any annuities you may have purchased
  • What are the strengths and weaknesses of your portfolio
  • The potential impact to your portfolio as interest rates rise
  • Whether you hold consistently underperforming investments
  • How well your portfolio is diversified
  • An assesment of your overall investment costs and fees
  • If your portfolio is working to minimize taxes
  • Whether your portfolios risk level matches your comfort level

We know you have better things to do with your time than worrying about your investments and if the advice you have been given in the past has been in your best interest, or your advisors. You are one click closer to a more confident future.

The views and strategies described may not be suitable for all investors and do not ensure a profit or protect against possible loss. There is no guarantee that the strategies discussed will be successful or achieve their desired objective. Past performance does not guarantee future results. 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. All information regarding our investment strategies are subject to change without notice. Dividends are Not Guaranteed.  The factors that affect dividends are sensitive to economic and business conditions, which are likely to change from year to year, causing dividends to fluctuate, up or down accordingly.