Investment Management

Your Comprehensive Retirement Income Plan will illustrate the projection of your income needs year by year. Arranging your Portfolio to coincide with your current and future income needs is necessary for a confident and comfortable retirement.


Our process utilizes low cost equity based Exchange Traded Index Funds and Actively Managed Fixed Income Funds with Alternative Investments. We believe in using Equity Index Securities because they have outperformed Active Management the majority of the time over the past 10 years. In addition, Equity Index Securities typically have a low annual cost and can be very tax efficient. With interest rates still hovering around all-time lows we believe that Active Management for Fixed Income (Bonds) is necessary because as interest rates rise, most Bond Values will decline. Fixed Income Managers who have the ability to mitigate interest rate risk may prove to be very valuable. Even with interest rates low, we believe that Fixed Income is the best way to diversify equity risk.


Asset Allocation is the process of dividing your investment dollars among a variety of complementary asset classes, such as Stocks, Bonds; Real Estate; and Short-Term, highly liquid vehicles including Money Market Funds. This allows your Portfolio to be well diversified.

The ultimate objective of an Asset Allocation program is to develop investment portfolios that are properly aligned with your investment objectives and risk tolerance. A well-diversified portfolio will rarely outperform the top asset class in a given year, however over time, it has often been one of the most effective ways to pursue your long-term financial goals.

Key benefits of a sound Asset Allocation Strategy include:

  • Reduced risk – A properly allocated portfolio strives to lower volatility or fluctuation in return, by simultaneously spreading market risk across several asset classes.
  • More consistent returns – By investing in a variety of asset classes you can improve the likelihood of participating in market gains and lessen the impact of poorly performing asset class categories on overall results.
  • A greater focus on long-term goals – A properly allocated portfolio is designed to alleviate the need to constantly adjust Investment positions to chase market trends. It can also help reduce the urge to buy or sell in response to short-term market swings.

We arrange your investment assets based upon your specific income needs using various asset allocation models based on your specific goals and time horizon. We align your needs with low-cost tax efficient investments which can be beneficial to those entering retirement as well as current Retirees.

• An exchange-traded fund (ETF) is similar to a mutual fund that tracks a specific stock or bond index, such as the Barclays Capital 1–3 Year Treasury Index. ETFs trade on one of the major stock markets and can be bought and sold throughout the trading day, like a stock, at the current market price. And, like stock investing, ETF investing involves principal risk—the chance that you won’t get all the money back that you originally invested—market risk, underlying securities risk, and secondary market price.

• An actively managed investment fund is a fund in which a manager or management team makes decisions about how to invest the fund’s money. Such decisions are made in an attempt to do better than the market and involve actively choosing which investments to purchase, hold, and sell for the fund. The fund manager performs an analysis using in-depth techniques and methods that may involve numerous investment options. The goal of an actively managed fund is to perform better than the specific market index with which the fund is being compared.

• Investing in alternative investments may not be suitable for all investors and involves special risks, such as risk associated with leveraging the investment, adverse market forces, regulatory changes, and illiquidity. There is no assurance that the investment objective will be attained.

• Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved.