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Our Investment Philosophy

Financial planning can seem overwhelming due to its complexity and unpredictable factors. However, we approach it with a purposeful and collaborative mindset, as we believe a unified effort is necessary to achieve your goals. We prioritize focusing on the variables within our control to establish a disciplined strategy that delivers long-term value to our clients. As a client, it is essential to manage your cash flows effectively, including understanding your income and expenses and prioritizing budgeting and saving. These two variables play a crucial role in determining your financial success and achieving all goals. To keep you on track, we will review your Personal Financial Statement together on a quarterly basis.

Asset Allocation & Investments

We will make long-term investments in high-quality assets, thoughtfully diversifying across sectors and indexes while staying aware of potential market opportunities.

  • Construct a thoughtful asset allocation that meets your goals, risk tolerance, and time horizon, while paying attention to cash flow needs.
  • Invest in quality investments for the long haul.
  • Maintain a "Deliberate Weighting" of indexes and sectors within the S&P.
  • Reserve the right to over/underweight specific sectors by 5%-10% when conditions warrant it.
  • Use diversification as a risk mitigation tool to be intentional in knowing exactly what we own.
  • Ensure deliberate diversification to capture future market opportunities.

Portfolio Management

Our strategy is to maintain your portfolio’s asset allocation and fund your liquidity requirements by “Quarterly Harvesting”.

  • Maintain complete discretion within your portfolio management.
  • Fund liquidity requirements by quarterly harvesting from profitable positions.
  • Use “Harvested” profits to: reduce debt, meet cash flow needs, and provide cash reserves for future reinvestment.

Investor Pitfall Avoidance

We will provide clients with a rational perspective and offer prompt assistance to navigate their market uncertainties, helping them avoid costly mistakes that result from emotional decision-making.

  • Do NOT attempt to time the market in any form.
  • Do NOT buy or maintain overconcentration of securities or trade individual stocks.
  • Do NOT speculate, trade with borrowed money, swing trade, trade options, or futures.
  • Do NOT invest money without a minimum time horizon of at least 3 years.

Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Advisor. Cetera is under separate ownership from any other entity.

Investments in securities do not offer a fix rate of return. Principal, yield, and/or share price will fluctuate with changes in the market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.​