We strive to give you the highest level of satisfaction by advising on reasonable and prudent goals, assisting in establishing priorities, attention to detail, protection of principal, and maintaining a high level of professional discretion. Our desire is to increase your asset base at minimum risk consistent with modern portfolio management techniques and advice.
We intend to keep our client base small, in order to maintain a high level of personal service and attention to detail. We treat you as an individual, and tailor your investments accordingly. While we have certain investment philosophy and discipline, we also recognize that most of our clients come to us with a portfolio in place, and starting over is seldom neither economically beneficial nor prudent. We therefore, take into account your previous investment activity and experiences, while organizing your portfolio in a more efficient and secure format. We also have the capability to assist you in evaluating any potential investment that you might be considering.
BALANCED AND DIVERSIFIED PORTFOLIOS
We are not bound to a specific portfolio allocation, yet we strive to create balanced and well-diversified positions upon which you
may rely for your future financial expectations. We select investments carefully and with great attention to minimizing potential risk. Usually we manage several different accounts for each of our clients, encompassing educational, retirement, and current investment programs. Each portfolio is handled with regard to your specific goals and concerns. "Your comfort and security are our priorities."
LONG TERM PORTFOLIO HORIZONS
Our preferred investment vehicles for prudent diversification of risk are large-cap stocks and composite funds--both closed-end funds and open-end no-loads. Since there are in existence a huge number and types of funds, picking a fund is sometimes more complex than individual stock selection. Our expertise in assessing a specific stock or fund's attributes and track record can be most valuable to those who recognize that by the time an investment’s track record has attracted the attention of the average investor, it is seldom an appealing investment to the expert. In selecting investments, we try to avoid the roller-coaster ride which volatile markets can give an investor. We also use individual stocks and funds to take advantage of a specific market cycles, and when we do use them, we tend to select large-capital or well-diversified issues that can pose less market risk. We normally utilize composite funds to expand your investment horizon into foreign, mid-cap and small-cap markets, particularly at those times when U.S. markets or certain sectors seem less promising. We do not try to be market-timers. We look for value and growth when investing your assets in both stocks and funds. Our investment selections are designed to meet your goals and are based primarily on fundamental analysis and research.
INDEPENDENT BROKERAGE ACCOUNTS AND REPORTING
•Institutional Services Division of TD Ameritrade, Inc. is normally utilized for safekeeping and securities transactions
•Lower transaction costs than many discount brokers
•No setup or ongoing fees for IRA accounts
•Stock and cash dividends processed automatically
•Monthly statements from investment custodian
•Quarterly composite report from INTEGRA on asset allocations and performance
•Software systems provide cost basis and tax-reporting assistance to you and your accountant or CPA in preparing tax returns
•Securities Investor Protection Insurance-up to $150,000,000 for held securities-including SIPC coverage of $500,000 ($250,000 for cash) principally for theft, fraud, and bankruptcy.
FAIR AND COST EFFECTIVE FEES
Our services are fee-only, which allows us to more effectively provide totally objective counsel.