Our disciplined investment process begins with an analysis of our clients’ goals and risk tolerance.

We use primarily no-load mutual funds and electronically traded funds (ETFs) which are selected based on rigorous and disciplined research to identify fund managers with a sustainable edge.

Our portfolio allocation begins with a diversified blend of different asset classes appropriate for the client’s timeframe and risk tolerance, based on time-tested principles of modern portfolio theory. Although we make no attempt to “time the market,” periodically we adjust our model portfolios tactically in an effort to take advantage of the overvaluation or undervaluation of certain market segments.

We provide quarterly reports which show holdings as well as performance compared to relevant benchmarks. Upon request, we can also report on assets we do not manage, as well as provide online access for clients to check their investments more frequently.

Accounts are billed generally following the below fee schedule:

• 0.75% on the first $3,000,000;
• 0.60% on the next $2,000,000 (from $3,000,001 to $5 million);
• and 0.50% on the assets above $5,000,000.
• Accounts under $1,000,000 will be billed at 1% annually.