Our Approach

The economy is always unknowable, it can never be consistently forecast and equity markets can never be reliably timed. Therefore, our approach is rooted in the notion that the only way a successful investor can be certain to capture equities’ superb permanent returns is to ride out their frequent, sometimes significant but always temporary declines.

Getting to retirement is not the destination. The entire point of retirement income planning is to make sure our income outlives us. Therefore, we employ a strategic asset allocation policy geared towards long-term growth of income and avoid short-term market bets that are typically counterproductive, both financially and emotionally. 

One of the easiest ways to increase returns is to minimize costs and taxes. When selecting funds, we consider embedded costs/fees as well as taxes incurred by frequent trading. And we avoid unnecessary transactions to keep trading costs low and to defer capital gains taxes.

A goals-based wealth management approach is one in which assets are invested according to the time horizon of major goals, and the savings required to achieve each goal is determined and managed on an individual basis. Whether your goal is wealth preservation, retirement savings, retirement income or college savings we calibrate your portfolio to accommodate the breadth of goals you have for your money.

The challenge we all face is not simply accumulating enough money to retire but rather creating an income that is dynamic, an income that rises over time to offset inflation. We believe the solution to this challenge is a dividend growth strategy. Companies that grow their dividends are characterized by strong cash flow growth and healthy balance sheets. As a result, these companies have offered their shareholders historically compelling performance with less risk than their peers through all sorts of market environments.