History has proven that interest-generating investments such as cash and bonds have relative stability of principal. However, they provide little opportunity for long-term growth due to their susceptibility to interest rate fluctuations and inflation. On the other hand, equity investments have clearly enjoyed significantly higher expected returns historically but are more vulnerable to volatility risk in the markets.

We champion a balanced approach utilizing different investment platforms that seamlessly merge traditional and alternative strategies. This approach allows us to tailor the appropriate investment strategy for you, while answering important questions such as:

• Am I taking too much or too little risk in my portfolio?
• Are my assets divided into buckets which address differing goals and time horizons?
• Are my investments generating unnecessary taxes?
• Are my accounts being rebalanced on a regular basis so I stay within my risk parameters?

The structure of your personalized portfolio is influenced by numerous factors such as your current stage in the financial life cycle, your risk tolerance, and your investment time horizons. In this manner, we manage your money with an equal emphasis on the art of risk management and the science of investment performance.