Portfolio Management Process

Security analysis typically includes Modern Portfolio Theory (MPT). Investing in securities involves risk of loss that clients should be prepared to bear.

Modern portfolio theory is a theory of finance that attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, by carefully choosing the proportions of various assets. MPT is a mathematical formulation of the concept of diversification in investing, with the aim of selecting a collection of investment assets that has collectively lower risk than any individual asset.

We employ both passively managed indexed ETF,  actively managed Open and Closed End Mutual Funds , and Individual Securities to meet our Investment goals.  Each client portfolio is treated differently depending on the personal investment goals of the individual .  

In our initial consultation we assess the risk tolerance of the client in addition to the time horizon for the assets invested. Based on the conclusion we position the portfolio and manage the investments accordingly over time.

Fund and security selection is rigorously decided by consulting Morningstar Reports,Charles Schwab Institutional Research, and Fund Family information.