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Investments

The key components of our investment process are portfolio construction and risk management. We believe that planning for the long-term is paramount and this lies at the center of how we manage client portfolios. Behavioral counseling, a balanced investment plan and consistent communication are the tools we employ to help our clients reach their financial goals.

We use a blend of low cost index funds, ETF's and mutual funds to help build a diversified portfolio for your financial goals, risk tolerance and time horizon. We use a three bucket approach to help meet those goals. The "bucket approach" encompasses the following:

  • Short Term Bucket - Designed for money needed within a two year time period. These monies will be invested in short term, liquid securities to reduce risk and provide access when needed.
  • Intermediate Term Bucket - Designed for money that may be needed within two to five years. These monies will be invested in short term bond and other fixed income instruments.
  • Long Term Bucket - Designed for monies needed in five years or longer. These monies will be invested in a low cost, diversified portfolio of index funds, ETF's and mutual funds.

The bucket approach allows us to manage risk effectively and help you achieve your short, intermediate and long term goals.

This approach also allows us to implement tax efficient strategies when appropriate.


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