Our investment philosophy is based upon our belief in the following principles:

1. Markets are efficient- New information is incorporated into stock prices so quickly, it is extremely difficult to profit from market price fluctuations
2. Risk and expected return are related-riskier assets provide higher expected returns as compensation for the greater risk
3. Diversification is the key- incorporating higher-risk, low-correlating assets into a portfolio can reduce volatility and increase expected rates of return

We evaluate each client’s unique situation with the goal of developing and implementing a passively managed diversified portfolio designed to meet each client’s individual objectives.