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Investment Process


Overview of our "Conservative Balance" investment style. 

Our basic method of portfolio management began with a "text book" foundation of degrees in finance, accounting, and business, and has received continuous refinement over more than 30 years from dedicated professional involvement. 

Figuratively speaking, our conservative investment portfolio construction process might best be considered like finding the target with X, Y, Z axis coordinates.  The first axis would equate to Strategic Time - which requires a trend and yield analysis of the major markets, including stocks, bonds, commodities, cash, and real estate.  The second, we call Dynamic Diversification in which we divide the portfolio into individual components within market sectors, not exceeding 5% in any single credit risk, and continually monitor for any modifications necessary.  Thirdly, we balance the asset group type considering the Risk Tolerance of the individual owner or beneficiary. 

Following a Disciplined Process

 Identify Goals

 Your Investment Advisory program begins with a risk tolerance discussion that will allow our team to identify your financial objectives.  For most individuals these are correlated to age, life style, security and legacy preferences. 

Develop Asset Allocation 

How your resources are positioned is the most important contributor to financial success.  Interestingly, the ideal position is somewhat different for each portfolio based on individual personalities and commencement time.

Our experience tells us that most people are better suited to more conservative strategies when investing longer term than even they realize.  If the asset allocation is not properly set initially, for example, by being too aggressive in the first year or two.., then subsequent market volatility and fluctuating prices can result in an over sensitivity to risk.  The psychological reaction to this may lead market participants to under allocate to the potentially better performing market sectors, or very possibly to an "all cash" preference at the wrong time, which if maintained longer term may result in little or no growth. 

Monitor Performance 

Allowing prudent investments to work for you over a period of time is what we aspire to.  We review market changes daily and send to you monthly evaluations and quarterly performance reports.  Since even the best of plans require updates as new information is discovered, we seek to consider making changes to your portfolio several times during a year in order to meet your investment goals as new trends develop.



Disclaimer:  Investing involves risk including the potential loss of principal. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. Sector investing may involve a greater degree of risk than investments with broader diversification. No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

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Check the background of this financial professional on FINRA's BrokerCheck