Investment Philosophy

Our investment philosophy is rather simple - Don't lose money.

When investors make money over time, they can feel empowered and optimistic about the future. When investors lose money over time, they lose confidence in Wall Street and the market's ability to meet their financial goals.

Our focus with clients, whether an individual or institution, is on performance to help them accumulate and grow their wealth over time. We accomplish this by investing your assets when the stock market is in a positive trend, and moving out of the stock market in a falling trend. Some people like to refer to this as "market timing". We like to refer to it as "intelligent timing".

Our experience over the past 22 years has shown us that to simply "buy and hold" investments in the stock market does not work well over the long haul. The problem with "buy and hold" is that it takes too long to recover from a major market drawdown. For example, from 2000 to 2003 the S&P 500 Index dropped over 47% from top to bottom; and it was not until June of 2007 before the market rebounded. Then, just as investors were feeling like they could start making money again in the market, the S&P 500 Index dropped over 52% from top to bottom starting in late 2007 through the end of the 1st quarter of 2009. Who knows how long it will take for the S&P 500 Index to get back to the level set in October 2007? Those who say that you cannot strategically time the markets are simply not correct.

We want our clients to make money over the long haul even if the markets do not. As a result, we created Trend Management - an asset management strategy that utilizes both technical and fundamental analysis designed to move our client's assets into the stock market in rising market trends, and take them out in falling market trends. The objective of Trend Management is to achieve portfolio performance that resembles a "rising staircase" over time rather than a "jagged sawtooth pattern".

Helping our clients grow and preserve their wealth in order to facilitate their dreams is what we are all about. We would welcome the opportunity to introduce you to our process.

Past performance is no guarantee of future results. There is no assurance that any investment strategy will meet its stated objective.

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