Our Philosophy
- Define and develop customized financial strategies tailored to help our clients achieve their immediate as well as long-term goals.
- Incorporate the effect of inflation towards meeting those goals.
- Create proprietary Asset Allocation Strategies, incorporating historically low-correlated assets to help manage risk.
- Select investment managers who have consistently achieved high Alpha* and low Beta*.
- Overlay technical analysis to determine recommended tactical changes in individual client asset allocations.
*Alpha: Alpha measures the difference between a portfolio's actual returns and its expected performance, given its level of risk as measured by Beta. Alpha combines the volatility the portfolio's price has experienced relative to the market and the returns the fund has generated relative to the market, to define the “excessive risk” of the fund. A negative Alpha means a portfolio has underperformed its index relative to how much volatility has been shown.
*Beta: Beta is a quantitative measure of the volatility of a given stock, mutual fund, or portfolio, relative to the overall market, usually the S&P 500. Specifically, the performance the stock, fund or portfolio has experienced in the last 5 years as the S&P moved 1% up or down. A beta above 1 is more volatile than the overall market, while a beta below 1 is less volatile.