For every client, we gain a thorough understanding of the income needs as well as the desired return relative to the risk expected. Each client's unique needs and desires will dictate how their portfolio is managed. We are strong believers that for most clients certain asset classes will be highly desirable at certain times. For example, for those seeking current income, REITs and equity income securities will often have a strong presence in the portfolio. For those seeking capital appreciation and with a greater tolerance for risk, a higher proportion of faster growing investments, perhaps outside the US or smaller companies, could be appropriate in the portfolio.

After determining the appropriate asset allocation for our clients, selecting the right investments for the portfolio becomes essential. We place a great deal of emphasis and importance on individual stock and mutual fund selection.