• Our Principles

    Our business principles are based on what our clients expect from us. Our clients hire us not only to manage their portfolios but to be their trusted financial co-pilots. We use client meetings to ensure our strategy remains in line with a client’s financial needs.” to the last line of “Our clients expect us to listen and respond to their needs and concerns.

    Our clients expect us to listen and respond to their needs and concerns. That is why we:

    - Conduct our business in a transparent manner which includes offering a simple one page investment agreement which can be cancelled at any time, without penalty
    - Provide full disclosure of all expenses our clients incur in the management of their accounts
    - Use an online custodian for our client's assets to lower fees and increase efficiencies


    Our clients expect us to formulate long term investment strategies to meet their individual financial objectives. That is why we:

    - Use modern financial planning tools to help formulate personalized investment strategies
    - Conduct an annual review of each client's investment strategy by our full investment committee

    Our clients expect us to simplify their financial transactions and reduce the time and effort they spend getting information, opening accounts or transferring money. That is why we:

    - Conduct our business in a transparent manner including a simple one page investment agreement which can be cancelled at any time, without penalty
    - Provide full disclosure of all expenses our clients incur in the management of their accounts
    - Recommend custodians for our client's assets based not only on value but on service and user friendliness
    - Directly assist our clients in handling paperwork and financial transactions

    Our clients expect us to be completely trustworthy. This goes beyond trusting us to handle their money. It includes giving them honest advice. That is why we:

    - Avoid any activity or arrangement which places us in a conflict of interest with our clients
    - Will not reveal client information to anyone other than regulatory authorities and individuals explicitly authorized by the client
    - Do not sell anything or receive any sales commissions. Our only form of compensation are the fees we charge for our investment advisory service
    - Inform our clients of what we are doing in their accounts and, more importantly, why we are doing it
    - Are willing to meet with family members or account beneficiaries at the request of our clients
    - Use newsletters, personal letters and personal meetings as tools to educate our clients about the workings of the investment markets and to earn their loyalty