Investment Approach

As advocates for our clients, we continually strive to lower their investment expenses. Furthermore, we seek to reduce portfolio volatility by ensuring broad diversification among a number of asset classes, including non-correlated asset classes that don’t move the same way as the stock market does. Finally, we make a deliberate effort to maximize our clients’ after-tax rate of return. Why? Because it’s not the returns that you make that matter, it’s the returns you get to put into your pocket after taxes are paid that counts.

	The Mainstay model is our most conservative allocation. This portfolio is appropriate for investors who wish to preserve capital while providing for prudent growth and current income. Prospective investors include those nearing or in retirement or those who require significant withdrawals within a three to five-year timeframe. The model has an annual loss threshold of (-5%).
	The Steadfast portfolio is our moderate allocation. This portfolio is appropriate for investors who wish to grow assets in a prudent manner while providing current income and capital preservation as secondary objectives. Prospective investors include those nearing or in retirement or those who require significant withdrawals within a five to ten-year time frame. The model has an annual loss threshold of (-10%).
	The Surveyor model is our moderate-aggressive allocation. This portfolio is appropriate for investors who wish to grow assets with a minor emphasis on current income and capital preservation. Prospective investors include those who are 10+ years away from retirement or those who do not require significant withdrawals within a ten-year timeframe. This model has an annual loss threshold of (-15%).
	The Explorer model is our most aggressive allocation. This portfolio is appropriate for investors who wish to grow assets without regard to current income and capital preservation. Prospective investors include those who are 15+ years away from retirement or those who do not require significant withdrawals within a ten-year time frame. This model has an annual loss threshold of (-20%).