OUR CORE VALUES

Don’t Lose Money:

At the core of our investment philosophy is the belief that, we do everything possible to try not to lose money. Not losing money is more important to us than making money, because losses are harder to recover from than sitting in cash. Therefore, from time to time due to economic conditions we will move our actively managed* assets to an all cash position in order to help protect your principal. While it may be a radical idea to some to pay an advisor a fee to sit in cash for any period of time, we humbly disagree and our track record speaks for itself. We hold that there are times in the market when it makes sense to wait and be patient. When we do take a cash position, we are still always active. Our data analyst and investment committee monitor and track the daily performance of all of the major indices, variable annuity sub accounts and over 6,000 stocks and ETFs. We constantly monitor and discuss the capital markets to seek out opportunities to grow our portfolios. All the while we are here to answer important financial questions and help you make intelligent decisions.

Have Realistic Expectations:

Keep your goals and objectives realistic in nature and use the tools that are available to you to achieve those goals. So often people set arbitrary targets that have little substance such as, to have $1,000,000. Assets alone without taking into account how much income they will generate, what sort of fees and taxes are involved, and vague financial goals are a recipe for disaster. Deal in specifics when setting financial goals, be mindful of what type of lifestyle you want to lead and take concrete steps to get there.

Have a Written Strategy:

Develop a written action plan that lays out what you want to achieve and how you plan to get there, monitor your progress and make changes as necessary. In order to achieve your financial goals, you need to be both proactive and reactive. Proactive in your planning but reactive to changes that come up on your road to financial confidence.  There are a number of material changes that can affect you, like having children, changing jobs, inheriting money, getting a divorce, becoming disabled, being diagnosed with a critical illness and bad market performance. We can help you get a written strategy in place to serve as a guide where we monitor your progress, face problems head on as they arise, seek remedy for those problems and hold each other accountable along the way.

Income Matters:

At the end of the month, quarter or year you will eventually review and track your investment performance and end up with a number. The number will simply state how you performed. Did you make money? Did you lose money? A component of that number often overlooked is the amount of that number which you derived from income. If you made an average return of 10% and 2%, for example, of that was derived from portfolio income, then the other 8% was growth or “if come”.  We strive to maximize “income” in our client’s portfolios.

Invest Intelligently:

Our goal is to help you take advantage of a market inefficiency, and use the tools that are available to you through the capital markets. We believe that you should incorporate alternative investments**, when suitable, into your portfolio to help balance risk and exposure to the volatility of the stock market. Our open architecture platform allows us to use products and solutions from many of the industry’s leading companies. This enables us to find the right fit for your portfolio. We utilize advanced strategies such as Roth conversion to maximize tax efficiency and tools like variable annuities*** to provide you with guaranteed lifetime income and death benefits to help maximize your assets.

The information herein has been prepared for educational purposes only and does not constitute an offer to purchase or sell securitized real estate investments. Because investors situations and objectives vary this information is not intended to indicate suitability for any particular investor.

*Active portfolio management, including market timing, can subject longer term investors to potentially higher fees and can have a negative effect on the long-term performance due to the transaction costs of the short-term trading. In addition, there may be potential tax consequences from these strategies.  Active portfolio management and market timing may be unsuitable for some investors depending on their specific investment objectives and financial position. Active portfolio management does not guarantee a profit or protect against a loss in a declining market.

**Investing in alternative assets involves higher risks than traditional investments and is suitable only for sophisticated investors. Alternative investments are often sold by prospectus that discloses all risks, fees, and expenses.  They are not tax efficient and an investor should consult with his/her tax advisor prior to investing. Alternative investments have higher fees than traditional investments and they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain and should not be deemed a complete investment program. The value of the investment may fall as well as rise and investors may get back less than they invested.

***Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.