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Investment

Managing your investments
When it comes to investing your wealth, we rely on a proprietary four-step process—plan, focus, capture and collect. The key to our process is asset allocation—we decide which sectors of the market to emphasize or lessen in your portfolio, based on the fundamentals of those sectors or specific companies within them.

  1. Plan
    Your financial plan is the crucial first step in determining how appropriately to allocate your resources toward different goals over the course of your life. Depending on your goals, time horizon and ability to handle risk, we will place your assets in one of several portfolios we directly manage, selecting the one that is suitable for you.
  2. Focus on quality
    Next, we research and identify the asset classes that we believe currently offer the appropriate prospects for enhancing our investment portfolios. We combine our own analytical research with that of other leading research institutions, including LPL Financial, to make decisions about which asset classes to focus on and how heavily to weight them.
  3. Capture
    Once we have determined our preferred asset allocation, we choose the specific investment products that we believe can appropriately capture the full return potential offered by that particular asset class. Based on your plan, some products may be more suitable than others. We carefully consider different products’ fees, investment strategy and tax consequences as we determine which investments we believe are appropriate for your situation.
  4. Collect
    Because we hope to benefit from the full appreciation potential of the securities in your portfolio, we generally hold investments for the long term. Every year, we collect on the returns of each asset class in your portfolio by selling the amount of each investment that has gone up and using the proceeds to invest in the asset classes that are currently offering what we believe are better opportunities in the market. Thus, our process involves regular rebalancing of your portfolio, so we never let a single investment become too big a piece of your overall portfolio, and your mix of assets is always tailored toward your goals.



Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss. No strategy including asset allocations can assure success or protect against loss. Investing involves risk including loss of principal.

The Rule of 72

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.


What Smart Investors Know

Smart investors take the time to separate emotion from fact.