The majority of our clients have an investment objective of long-term growth and income and all share our long-term approach to investing. We focus our research and due diligence efforts on investment products designed to preserve principal, provide income via moderate risk, and offer growth potential over time.
STOCKS – Our process is designed to select high quality, dividend paying blue chip stocks in an effort to provide growth potential, inflation protection and income. We typically recommend between 20 and 30 different securities across broad economic sectors. These securities are reviewed by our investment committee prior to their use and are carefully monitored once they have been selected in order to ensure that their underlying soundness and investment objectives are consistent with our investment philosophy.
Characteristics that we look for in the companies in which we invest:
- Strong balance sheet
- Long history of earnings
- High-dividend yields
- Sound Management teams
BONDS – This is the portion of your portfolio designed to provide stability and income. Our goal is to structure high quality fixed-income portfolios that produce an attractive income stream with low volatility. As with all investments, there is no guarantee against loss, but we think it is important to include bonds and other wealth-preserving securities in our Client Portfolios. From a historical perspective, such investments have demonstrated a more consistent return than stocks.
We select fixed-income products after performing an analysis of credit risk, interest rate risk, and structure risk. Some of the investments we suggest to clients are:
- Treasury securities
- Government agency securities
- Certificates of Deposit
- Investment grade corporate securities
MUTUAL FUNDS – We use low-cost mutual funds where needed (funds with low operating costs and low management fees) when designing a well-diversified portfolio, using both stock and bond mutual funds.
The items above map up the “core” of our investment portfolios. Depending on current market conditions, these items may be supplemented with other investment products in order to address the prevailing investment environment.