Investment Philosophy

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iStock_000003022735My clients’ needs are paramount in developing a tailored investment strategy that will serve my client well.  More important than individual investment selection, I believe, is understanding that investment performance is primarily driven by three things: asset allocation, portfolio risk, and fees.

Market returns are generally unpredictable and therefore can not be controlled by an investor.  Risk and fees are investment concerns that can be controlled. I spend a great deal of time with my clients explaining the level of risk that it is appropriate for them to take and constructing portfolios that give them broad diversification and market exposure.  At the same time, I work to minimize fees through selecting what I deem to be the most cost effective implementation of client goals while not sacrificing returns.

When proper asset allocation is formulated and implemented, periodic rebalancing occurs. Securities are bought and sold in order to rebalance the portfolio to its target allocation.  Thus, the best performing classes and sectors are sold in favor of adding to positions that trailed during that period.  Over time, I believe this strategy mitigates unnecessary risk and increases the chance of out-performing target benchmarks.

Investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.

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