Active Management

Active management means building and systematically rebalancing, customized, diversified portfolios using select individual large-cap U.S. stocks, top-tier institutional mutual funds, and exchange-traded funds (ETFs) for stock, bond, and alternative investments exposure.

  • Our clients prefer not to ride down bear markets fully invested.

Our goal is to provide the income and growth that our clients need while minimizing the downside and protecting their capital during looming market crises and bubbles. We adhere to an investment policy for each client based on results of their risk tolerance assessment and our review and analysis of the risk measurement tool with the client. We also utilize an asset allocation strategy or “model” which offers the risk/return combination best suited for the client based on their risk profile together with their financial goals and current assets and cash flow needs. But foremost is our primary goal to protect our clients’ capital while taking advantage of opportunities for growth and income.

  • Our active management includes extensive, on-going research.

Hundreds of professional money managers across the country are available to us as institutional investors through the Charles Schwab Institutional platform, and we are able to select funds for our client portfolios which are not available to the general public. We strive to find, interview, and use the very best money managers across the different investment asset classes.

  • Our philosophy does not lend itself to passive management.

We believe not only in setting a long term strategic direction, but also in tactical selling in very uncertain times, such as leading up to the 2000 bubble and ensuing 3-year bear market, as well as the global credit crisis and recession of 2007-2009.

We invest in sectors of the economy which stand out as major growth areas. For instance, in the past five years, our client portfolios have been invested in the real estate, technology, financials, industrials, and healthcare sectors which have produced extremely attractive capital gains. Our strategy includes taking capital gains and rebalancing during the year, not waiting until year-end for possible losses.