Investment Philosophy

Passive + Active + Alternative 

= Opportunity

By merging passive, active and alternative investment strategies, we can create portfolios that become something more. Portfolios that can take advantage of whatever the market throws at them. We create opportunity for maximum upside potential and minimum downside risk.

Simply put, imagine eating apple pie without ice cream and cheddar cheese (it's a Southern thing) or a hot dog without mustard and relish, or an Oreo cookie without the creamy filling and a glass of milk

Fees Matter, Taxes Matter

Most of the Time                                                        

John Bogle, the founder and former CEO of The Vanguard Group discovered that a fund charging 2% in fees will wipe out two-thirds of a retirement fund over 50 years. While cost should be a major consideration, sometimes however, the cheapest fund is not always the best solution.

You know how airlines now charge you $35 per seat for an extra three inches of leg room? I'll tell you that those three inches make a world of difference!

Process beats Prediction

Except When It Doesn't                                         

No one can be right all of the time, that's why we have a process. But sometimes it's foolish to look a gift horse in the mouth.

When the market gives us obvious opportunities, we take them. 

Investment Management

I go to Paris, I go to London, I go to Rome, and I always say, 'There's no place like New York. It's the most exciting city in the world now. That's the way it is. That's it. -Robert De Niro

Click image to read Article

Our annual fee is the lesser of 1% or $5,000 per million of assets under management. That means a million-dollar investor will pay just 0.5% annually 

​​Custom Portfolios

Clients sometimes come to us with portfolios that were built over the years that consist of good investments, but the investments were picked one-at-a-time and never managed as a whole. Our investment process can merge those individual securities into a cohesive portfolio, to get them working together as one, with maximum upside potential and minimum downside risk. 

Our diversified portfolios are comprised of low-cost, passive mutual funds and ETFs. The asset allocation were designed using Modern Portfolio Theory so that they lie along the Efficient Frontier.  Our portfolios strive to maximize upside potential and minimize downside risk. 

Each portfolio is designed to achieve a specific investment goal. We always keep a watchful eye on taxes and fees. We utilize many different types of asset classes. And we implement an active monitoring and re-balancing strategy.


Income & Growth

Growth & Income


Aggressive Growth

Accredited Investors

Wealth can be created and protected in unique ways with the proper financial resources. Investors who meet the Accredited Investor criteria have access to our 3-D model portfolios. These portfolios consist of three investment areas:

  1. The Liquidity Portfolio (Public Markets) - Stock and Bond Mutual Funds / ETFs
  2. The Wealth Creation Portfolio (Private Investments) - Private Companies / Real Estate
  3. The Wealth Preservation Portfolio (Principle Preservation) - Individual Bonds /  FDIC and Insured Investments