1. We use tactical asset allocation and design "core and explore" portfolios a unique way. 

The goal of our core portfolio is capital preservation. We invest in high quality stocks, bonds, and conservative to moderate funds with a goal of earning reasonable returns but keeping  volatility low and avoiding large losses. 

The goal of the explore portfolio is to earn higher returns to help the portfolio keep up with inflation and to fund longer term goals. This requires taking more risk.  We may make more concentrated bets on the sectors and regions we believe will outperform going forward.  

We use tactical allocation.  We may reduce our allocation to equities when stocks are expensive and risk of a major correction is high and increase our allocation to equities when stocks are cheap after a major down turn.  We may recommend you sell more aggressive positions and go to cash or buy funds that short stocks during high risk periods to hedge the portfolio.  You decide how much goes in the core and the explore portfolios and how much risk you take.  

No one can perfectly time the market.  However, missing even a portion of major downturns can make a big difference in your returns over time.

Many advisors have so many clients that they can not afford the time to do "tactical allocation".  They use a "buy and hold" portfolio of mutual funds that they rebalance and tweak periodically.  We have a smaller group of clients for whom we do more customized, active investment planning.

2. We specialize in retirement accumulation and distribution planning. 

3. We are independent fee-only financial advisors.  We are   fiduciaries.  We are required to put your interests first, not a broker/dealers.  We sell no products and earn no commissions or referral fees.

4. We spend a lot of time educating and empowering you to make smart money decisions going forward.

5. We place a lot of importance on taxes.  I am a CPA with a Masters of Science in Taxation degree, so understand how important what you pay in taxes will be going forward on your quality of life in retirement.  

Many investment advisors focus solely on before tax returns.  It is not what you earn, but what you keep that is important.  
 
By helping you save, reduce your taxes, protect your wealth,  stick with a disciplined investment strategy, and make the right decisions regarding retirement, we can make a real difference in your ability to fund your dreams and lifestyle.  

If you would like to learn more about Our Services, please click here.