Our Guiding Principles


1.  We believe that investment advisory begins with a thorough understanding of our clients' individual needs, goals, and timelines.


2.  We believe in fundamentals, not fads.  We study and apply investment principles grounded in sound academic research, including asset all-allocation, efficient markets, and the relationship between risk and reward, to help you meet your goals.


3.  We believe that client education is the best defense against the confusing events and information that inundate our lives.


4.  We believe that success begins with a well-reasoned plan and that discipline is a necessary part of supporting that plan.


5.  We believe that there is nothing more fundamental than the honesty and integrity to always tell our clients what they need to know.