Our philosophy is based on a core mindset that we are stewards of our client’s wealth and it’s our responsibility to make sure we meet their needs. No one wants to lose what they have built up, so Capital Preservation is our first and foremost ethic. Do no harm. Second, asset allocation is the prominent driver of portfolio risk and return. Our adherence to your long-term target allocation is key and involves rebalancing to target, monitoring collars of exposure, etc. Our beginnings with institutional investors taught us the value of independent analytical research and thorough, ongoing due diligence. We carefully manage risk through diversification, asset allocation, and rebalancing. And, we believe diversification should extend to global markets as well as opportunistic alternative investing.