We will never purchase an adviser recommended stock for a client that is not suitable for investment personally by the adviser.
We never hold ownership of client assets, nor do we have access to client assets (cash or securities). All assets are held by the independent custodian.
We view ourselves as owners of shares of companies, not just owners of stocks.
We are a long-term investor. We believe in the approach, “Time in the market is more important than timing the market.”
The vast majority of client holdings are readily convertible to cash, baring market disruptions.
We have been continuously managing client assets for over 45 years.
We are a “fee only” investment management firm. We never sell any product for a commission. Our only service is to manage investment accounts for clients.
We invest in individual stocks, bonds, mutual funds and exchange-traded funds.
We are completely independent from any bank, insurance company, investment company and brokerage firm.
We only manage assets on a discretionary basis, which authority is limited to investment decisions.