Our team allocates assets among the major classes of cash, stocks, bonds and alternative investments. We further divide securities into growth and value styles. Bonds are allocated by short, intermediate and long-term duration. By blending these various asset classes, we seek to remove emotion and optimize investment returns.*

_{*There can be no guarantees objectives will be met. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.}

Our recommendations and client portfolios are customized to address the amount and timing of cash flow needs, risk reduction, tax considerations and market conditions. Investment decisions are based on the client’s objectives. Through that objective-driven process, crucial factors such as appropriate levels of risk and return are derived and optimized.