Our Process

Portfolio Design

First, we help you define your goals. We ask questions related to your current financial situation, what you hope to achieve, and your attitudes towards risk and return. Then we recommend a “blueprint” for your investments.

The result is a long-term strategic asset mix, designed to align with your financial goals, time horizon, and risk tolerance. Academic research has highlighted the important role that diversification and asset allocation can play in portfolio construction and risk management.

Asset Allocation

We combine a diverse mix of asset classes designed to cover the global markets. No one can predict which areas of the market are going to do better at any point in time. Academic studies have shown the one of the most important decisions an investor makes is potentially determined by asset allocation. This includes large and small cap stocks, value/growth, U.S. and International stocks, bonds, REITs, index funds, special situations, and other investment vehicles.

Tracking Your Goals

Our clients receive account updates from each custodian. AFA reports are available upon request. The data presented in these reports provide answers such as: Is the investment plan on track? Is the portfolio meeting your goals? Has the risk and return been in line with expectations given market performance? Does the portfolio need to be re-balanced or provide more income?


^{All investing involves risk including possible loss of principal. Diversification and asset allocation do not guarantee a profit or protect against loss in a declining financial market. Past performance is no guarantee of future results. Investing in smaller companies involves greater risks than those associated with investing in more established companies, including significant stock price fluctuations and illiquidity.}