There are four core elements to our investment approach: the Investment Policy Statement, Risk Management, the Policy Portfolio, and Tax Optimization.  We like to think of building your portfolio as similar to building your dream house.  You provide your ideas for the blueprint and then we build your vision around a rock-solid foundation and a time-tested structure.

• Investment Policy Statement: The investment strategy right for you must be considered in the context of your overall financial plan, short- and long-term objectives, risk tolerance and preferences.  We work with you to identify these components in order to create an Investment Policy Statement that clearly articulates your priorities and concerns, as well as defines how you want to work with us.  The Investment Policy Statement serves as the blueprint upon which we build your portfolio.

• Risk Management: Risk management is a central and continuously evolving component of our investment process and represents the foundation of your portfolio. Dynamic views of risk that break away from traditional thought are integrated into the fabric of our construction strategy to ensure that risk remains in-line with your expectations even in times of market turmoil.

• Policy Portfolio: The Policy Portfolio represents our best thinking about the optimal long-term mix of assets given our 3-5 year outlook for the global economy and balances investment opportunities across geographies and asset classes. It is also the reference portfolio off which we structure our 5 Model Portfolios and serves as a measuring stick against which we judge the success of our tactical investment activities. 

• Tax Optimization: Finally, we work closely with tax experts to stay abreast of tax code changes that may affect how specific investments and individuals are treated for tax purposes.  We leverage this information to offer our clients 4 distinct Tax Allocations that provide them with the most tax efficient investments based on their tax status.

By combining these four elements we are able to construct an investment portfolio that is not only built to your specifications but is rooted in the prevailing long-term economic landscape and that balances risk and return and minimizes tax burden.