Besides looking at each client individually, evaluating their specific needs and situation – open to recommending various strategies, we do have a driving philosophy that “it’s easier to lose money than to make money.” This does not make us overly cautious but sensitive to maximizing profit with mitigating against loss. 

Philosophically, we prefer the Personal Endowment Model, inspired by the Yale Endowment Model, applied to individual investors., which differentiates us from many other advisors in our field who only recommend a conventional investment strategy that mainly consists of publicly traded stocks and bonds linked to the often volatile markets.

We often recommend refocusing a portion of one’s portfolio in private investments not correlated to the public markets – what are also called alternative investments. These investments were made available to “smaller” investors by the “Jumpstart Our Business Startups (JOBS) Act” of 2012, revised in 2017.

For the conventional portion we may recommend individual stocks/bonds/Mutual Funds/ETFs, however we generally utilize and blend various outside money mangers based on their expertise in particular areas. Although we lean towards a blend of Tactical Money Managers with downside protection, depending on the client’s needs, we prefer to blend them with non-tactical managers also.

In addition, we evaluate and implement insurance based investments when clients need or prefer significant safety or tax preferred instruments when growing their wealth.