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The final, and perhaps most important, step in portfolio construction is locating superior money managers to fill each asset style within the portfolio. This step can mean the difference between significant under-performance and out-performing the indices. We spend a significant amount of our time and efforts locating and retaining the most qualified, experienced and successful money managers in their specified areas of expertise.

The effects of taxation on investment performance are far greater than most realize and are often overlooked by the average investor. Tax-loss harvesting is a process that should be performed on a regular basis as opposed to a year-end activity. Continual and systematic tax-loss harvesting can enhance returns above and beyond money manager "skill-based" returns.

Selecting appropriate portfolio benchmarks are pertinent to historical analysis and discovering market trends. Developing a representative portfolio benchmark compares the portfolio strategy to the overall market and provides the mechanism to pinpoint areas of superior performance. Additionally, benchmarks are used at the money manager level to compare relative performance for each strategy.

Diversification is one of the most overused – and least understood – words in investing today. Advisors and investors alike believe the word diversification simply means more than one asset. This is technically correct, but it is only a small portion of what diversification of investments means. Assets should also be diversified across:
• Global markets
• Market sectors and instruments
• Strategies and styles
• A variety of qualified money managers
• Securities
Do not mistake any one level as diversification. Utilization of all is true diversification. Optimal diversification reduces overall portfolio risk and increases the likelihood of superior investment performance.

Once your financial needs have been assessed and confirmed, the final step is to document all factors that encompass your particular situation. An Investment Policy Statement will document your needs, goals, and aspects that are unique to you as an investor. This policy will serve as our blueprint and guide, as well as a reminder of how the strategy should be enacted over time.

Taxes can be the number one obstacle in portfolio performance. We take into consideration all possible tax implications, and we design investments and strategies to minimize portfolio taxes and generate maximum after-tax returns.

Many individuals have worked their entire lives to create their wealth and establish their legacy in society. We understand the importance of legacy planning and design strategies to ensure your legacy will perpetuate for generations to come.

We enjoy working with the entire family and offering suggestions that will benefit current and future generations alike. Planning for wealth transfer is a personally rewarding process when you are free to concentrate on the issues most important to you. We can help stimulate your imagination and creativity to conceive the ways your wealth can be best applied for the achievement of your personal and family goals.

Similar to liquidity needs, it is important to understand your philanthropic desires and plans for charitable contributions. We'll assist you in the selection of charities best suited for your philanthropic interests, and we'll oversee the charities to ensure they are using your contributions in the manner that you intend.

Correctly planning for capital needs avoids untimely redemptions and the resulting negative tax implications. Once liquidity needs are properly communicated to us, we can plan for these transactions and reduce the after-tax bite or the market risk of premature liquidation of quality securities.

We carefully tailor an overall investment strategy to accomplish your needs and future goals in accordance with your tolerance for risk.

Investments and allocations should be specific to the time period designed for your portfolio. It is important to structure portfolios for the appropriate time horizon based on your specific needs for the funds.

Market research is paramount when designing solid portfolios. Research aids in the development of proper asset allocation and diversification, and the detection of market trends.

The time and research we spend thoroughly evaluating your assets will have far-reaching benefits as we formulate your multi-generational investment strategy. Based on historical market research and the state of current economic events, we design portfolios to ensure the best probabilities for success. Using superior performing asset classes and analyzing historical trends, we – along with handpicked best-of-class managers – select components that will significantly increase your likelihood of achieving your goals. Below is a list of the factors we take into consideration before one dime of your money is invested under our management.