Services

Our firm provides value investment strategies and asset management for clients based on their individual needs and expectations. Through personal discussions in which goals and objectives based on the client’s particular circumstances are established, we develop the client’s personal investment policy statement. We create and manage a portfolio based on that policy. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we may also review and discuss a client’s prior investment history, as well as family composition and background.

We manage these advisory accounts on a discretionary or non-discretionary basis. Account supervision is guided by the client’s stated objectives (i.e., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Once the client’s portfolio has been established, we review the portfolio quarterly, and if necessary, re-balance the portfolio on an annual basis, based on the client’s individual needs.

Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding the following securities:

  • Exchange-listed securities
  • Securities traded over-the-counter
  • Foreign issuers
  • Corporate debt securities (other than commercial paper)
  • Certificates of deposit
  • Municipal securities
  • Mutual fund shares
  • United States governmental securities

Because some types of investments involve certain additional degrees of risk, they will only be implemented when consistent with the client’s stated investment objectives, tolerance for risk, liquidity and suitability.