One of our goals is to minimize risk by allocating our clients portfolios to a mix of seven stock index funds and three fixed income funds.
We minimize costs by utilizing index funds which use many of the same stocks and bonds the managed funds employ, but without the cost of the manager.
We examine each investors account at the end of every month and we harvest gains when appropriate.
Our advisory services are designed for investors, not traders. We do not attempt to time the market or to select individual securities.
As a fee-only firm we do not receive compensation from brokerage firms, banks, mutual fund companies, or insurance companies. Our only compensation comes from our clients, so it eliminates the commission-based conflict of interest. It also means we will work to reduce your investment costs instead of trying to build in hidden costs to inflate a commission.
We use diversified portfolios consisting of quality stocks and bonds held in index mutual funds from Vanguard.