We believe asset allocation, or dividing investments among several assets, such as stocks, bonds and cash, is the ideal determinant for achieving the greatest long-term growth with the least amount of risk.

Our advisors collaborate with investment analysts and market strategists across the industry to determine where to invest at a high level first — then, we home in on what we deem to be an appropriate combination of investments for your needs. In sum, our process focuses on relative outperformance without excessive risk, while keeping underlying investment fees reasonable. See our model at a glance:

• Actively Managed Funds: We research actively managed investment vehicles, either through mutual funds or exchange-traded funds (ETFs), with the goal to outperform benchmarks and manage risks over time. With a “bottoms-up” approach, our analysis seeks to help identify the people, process and performance to not only fit within the desired design of an overall portfolio, but also to potentially provide alpha — or the return above and beyond what a portfolio should achieve.
• Index Funds: The core of a portfolio consists of low-cost index funds, or areas of exposure to overall markets where an active manager likely will not outperform consistently. Depending on the type of account and platform our client is using, index funds can either be invested through an ETF or an open-ended mutual fund.
• Alternatives: For certain clients, these investments offer another level of diversification. As an investor in alternatives, there are additional risks — however, for the right individual and scenario, these investment vehicles may offer access to areas not available to public markets.
• Individual Stocks: For the most specific capital investments, we may use individual stocks and bonds. While the risk is a bit higher with these investments, so could be the reward. We’ll help you identify strategies that aim to maximize your earnings without compromising your financial stability.