Front

Jennifer Bement-Coon, Lily Quattrini, Kim Puffer

Back

Carl Masler, David Labato, James Epp

The Objective: Your investments are a mechanism for helping you achieve your personal goals and your family's objectives. We look to help you to achieve your goals by creating an investment strategy that is comfortable for you - one that works within your personal risk tolerances and helps you to meet your financial objectives.

The Process: We manage balanced portfolios that include cash, bonds, some mutual funds and stock in individual companies (see the attached Risk Segmentation Categories for a description of our investment classes). Our risk-balanced portfolio philosophy provides our clients with a degree of protection from the often wildly fluctuating stock market while still providing upside potential associated with equity exposure. Our disciplined approach sets price targets for buys and sells and sticks to those targets, taking the emotion and enthusiasm out of the equation and producing portfolio adjustments based on strategic decision-making.

In our earliest conversations, we discuss your personal comfort levels with differing levels of risk associated with investment in different types of securities. Once we have an understanding of your feelings about risk, we can establish a risk tolerance profile that serves as our guide for investing within your portfolio. Your risk segmentation profile is developed based on your overall financial goals, your risk tolerance, your other investments, and your investment preferences.

Among our earliest projects with regard to investing your assets will be to take a thorough look at your existing investments, to develop risk segmentation for your existing invested assets. From there, we'll compare that against your risk tolerance profile that we've developed for you.

Our investment committee selects individual securities based on fundamental and technical analysis, growth potential, quality of management, and other factors. We purchase and sell securities in large blocks, achieving significantly discounted commissions for our clients. We then allocate shares to individual's portfolios based on risk tolerance and diversification.

Why it's important: Your invested assets are a means to an end - not an end in and of themselves. We work closely with you to make sure all of your assets - not just those that we directly manage -- work toward your objectives and to help you achieve your goals in the timeframes you've set. By investing in individual stocks and bonds, we're able to control the stream of capital gains, invest according to your tax strategy, and provide diversification appropriate to you. Our balanced philosophy and disciplined approach help reduce downside potential while growing your portfolio in a manner that suits your needs and objectives.