We believe that businesses and families alike cannot afford to experience another big loss, as they did in the crashes of 2000-02 and 2007-09.  When it comes to managing money, we focus first on defending your portfolio from losses.  This is why we call our portfolio management strategy Defense First.

Why We’re Different

How We Get Paid

We are a Fee-Only Registered Investment Advisory (RIA) firm, which means we are not an insurance company and do not sell products to our clients. The fiduciary standard we’re held to requires that we make decisions that are in the best interest of our client, acting as your advocate, even if it means earning less revenue for the firm. We cannot legally accept commissions from insurance, annuity, or mutual fund companies, and we refuse to take kick-backs from other professionals who refer clients to our firm.

Learn More About How We Get Paid 

We Don’t “Buy & Hope”

We will rarely ever buy at the bottom and sell at the top.  This is what most refer to as “market timing,” which no one can do.  Rather, we aim to conservatively buy on the way up the hill, when markets are advancing.  Furthermore, we will start selling after the peak has already occurred, pursuing a defensive stance as a market crash begins.  We don’t implement a “set it and forget it” approach to money management. It’s why we don’t leave our client’s portfolios to chance.  When it comes to your life savings, we take a “Defense First” approach.

Learn More About Our Investment Philosophy