Frequently Asked Questions

What's your overall investment approach? We provide a very individualized service, so our approach is what best meets your needs and risk tolerance.  The bulk of our clients, however, seek above average investment returns within a program of sound management. In other words, they're trading off potentially higher returns for a potentially "smoother ride."

What do you mean by "sound risk management"? Diversification is the key.  We position monies across various asset classes (e.g. stocks, bonds, cash). Next, within these classes, we purchase multiple securities. Finally, when we use mutual funds, we take a multi-manager approach because no manager provides the top performance year-in and year-out. 

How often will my account be reviewed? Accounts are continually monitored and we are available by phone, in person, and by e-mail for your questions and concerns. Each quarter, you'll receive a report summarizing year-to-date performance, current holdings and allocation among asset classes as well as our economic outlook and strategic plan for the months ahead.

Will your company hold my money? No. Your investments are kept by an independent third party custodian who is responsible for the safe receipt, maintenance and the execution of trades placed by your advisor. The custodian typically provides a monthly statement of investment values and transactions.

How do your fees work? Ongoing investment management is billed quarterly as a percentage of the value of the assets under management. Lower rates apply for larger accounts. A detailed fee schedule is available upon request. Financial planning is typically included in the annual management fee. Occasionally, stand-alone financial planning or one-time investment advice is provided on an hourly basis.

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