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We have direct access to many of the nations’ leading investment firms. These are firms that are rated “Best-of-Class” by institutional investors, and are not available directly to most investors, due to their high minimums, which are often over $25 million.  We now have the capability to offer this to you as an alternative to your current mutual fund portfolio.


Providing Prudent Practices for Investment Advisors, Managers, and Stewards
  • An Investment Steward is a person who has the legal responsibility for managing investment decisions, including plan sponsors, trustees, and investment committee members.

  • An Investment Advisor is a professional who is responsible for providing investment advice and/or managing investment decisions.  Investment Advisor include wealth managers, financial advisors, trust officers, financial consultants, investment consultants, financial planners, and fiduciary advisors

  • An Investment Manager is a professional who has discretion to select specific securities for separate accounts, mutual and exchange-traded funds, comingled trusts, and unit trusts.


With the new Department of Labor (DOL) fiduciary rule, knowing what role you play is crucial.  The legal and performance pressures endured by Investment Advisors are tremendous, and come from multiple directions and for various reasons.  Complaints and/or lawsuits alleging fiduciary misconduct are likely to increase. However, contrary to widespread belief, fiduciary liability is not determined by investment performance, but in whether a prudent process was followed.*

If you are not certain what that process is, you need to contact us.

*fi360, Prudent Practices for Investment Advisors, 2013

Goal Based Investing

 We don't just talk about goals. Almost everything we do for clients is built around goal achievement. At many firms, a family's wealth is lumped into a single portfolio with a single risk level. But does it seem logical? Why identify multiple goals and then treat them identically by putting all assets in a single portfolio? All goals are not equal, nor do they come to fruition at the same time.

Instead of a one risk for all goals approach, we structure your assets around your life. And that's what distinguishes our approach from other firms. Your investment strategy is designed around your goals.

  • To track how you are doing against all your goals, we divide your assets into separate portfolios for each goal and assign a risk level appropriate for each.

  • Money for near-term needs, like living expenses, is exposed to little or no risk. Midterm goals, like saving for college, take on moderate risk. Long-term goals, such as saving for retirement, are invested for more growth because there is time to recover from market downturns.