Broker Check
 RSVP: (559) 408-7439 

Investment Philosophy



We believe in a disciplined process of asset allocation using professional money managers, whether through mutual funds or private managed accounts. Our investable universe includes, but is not limited to:

  • Domestic and foreign equities (Value and Growth style, from all capitalization levels)
  • Domestic and foreign bonds (including government, corporate and municipal bonds)
  • Real Estate Investment Trust (Reits)
  • Commodities (Energy, Agriculture and Metals)
  • Currencies and Managed Futures
  • Hedge Funds
  • Private Equity

(Not all of these investments will necessarily be appropriate or available for any particular investor)

Using both quantitative and qualitative research, we select managers based on such criteria as historical performance, risk measures such as standard deviation, beta, and Sharpe ratio, alpha, capture ratios, and more; as well as investment process, manager tenure and experience and company culture. Investments are blended together based on client risk tolerance and objectives, and considers investment correlation to reduce risk on a portfolio level, rather than purely on an individual investment. Once selected, managers are monitored and evaluated regularly, adjustments are made as necessary (short-term performance is NOT necessarily a reason for change). Portfolios are dynamically rebalanced, attempting to take advantage of market fluctuations and volatility. Tax implications are always considered where applicable. Portfolios may be unequally balanced between non-qualified (taxable) and qualified (tax-deferred) accounts to take advantage of differing taxation of various investments.

Of course, there is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk. No strategy can assure a profit or protect against a loss. 

 

How Much do You Know About Investment?

These days, investing in financial markets is a common practice. Yet, many Americans remain under-informed about how various investment products really work. Want to know how you rank? Challenge yourself with our brief quiz, "Test Your Investment IQ."