I manage stock market portfolios.  I develop a customized investment strategy that meets your individual needs.  I implement that plan, monitor performance and work closely with you as both market and individual needs evolve.  Your experience as my client is paramount.  I offer a highly personalized and responsive service.  You may contact me at any time, inside or outside of normal business hours, to get answers to your questions.

My Approach

My investment management services are customized and comprehensive.  My services begin with a free initial consultation, used to gather essential information about your situation, resources, goals, and desires.  I take your time horizon, desire for growth and/or income, and personal tolerance for market fluctuation into consideration in creating a detailed proposal that includes potential recommended investments.  When accepted by you, it forms the basis for your initial investments.

Empirical studies attribute as much as 90% of the returns a portfolio earns to the asset allocation mix used, and as little as 10% to the specific investments made within each class.My investment process is based upon principles of asset allocation and diversification in designing and maintaining your portfolio.  Asset allocation places securities with different attributes into classes, combining them in your portfolio in ways that optimize your returns given the level of risk you are willing to assume.  I utilize no-load mutual funds, common and preferred stocks, investment grade bonds, government and government agency bonds, bank CDs, and cash equivalents/money market funds in my investment selection.  Each client’s portfolio is unique to his/her circumstances, tolerance for risk, and needs for income.  I rebalance portfolios regularly to insure that your investment allocation stays within the parameters intended.

To obtain adequate diversification, client portfolios most often utilize a core of quality mutual funds.  My selection process for funds includes short and long-term performance relative to category competitors, cost, and management philosophy and expertise.  In taxable accounts, a fund’s tax efficiency, or after tax returns, are also considered.  Common and preferred stocks, usually domestic large-capitalization stocks, are frequently included in your portfolio as well.  With all security selection, I aim for superior performance, but cannot guarantee results.  Past investment performance is no guarantee of future results.

Bonds, or fixed income investments, are included in most client portfolios to some degree to provide income and lessen the volatility inherent in an all-stock portfolio.  Depending on your age, need for income, and tolerance for market fluctuation, the bulk of your investments may be in bonds rather than stocks.  Your fixed income investment may be a diversified bond-based mutual fund, a ladder of investment grade corporate bonds or municipal bonds depending on your tax bracket, government bonds, FDIC-insured CDs, or a mix of these.

Personal Touch

We will have face-to-face meetings to review the performance of your investments at least semi-annually or more frequently if you desire.  In addition to monthly reports provided by your asset custodian, I provide quarterly performance reporting showing the overall performance of your accounts and their individual investments.  Your portfolio performance is compared to relevant market benchmarks so you know how you are doing.  I also provide year-end reporting to assist you with the preparation of the capital gains portion of your tax return.