Our Wealth Maximization Program™

Goals and dreams are the most important and powerful motivators in our clients' lives, but many advisors tend to manage investments against the yardstick of portfolio benchmarks such as market indices. We believe this is an artificial contrivance which only tends to induce short-term focus, taking on unnecessary risks to try to beat the benchmark and easily becomes totally divorced from the client’s important life goals. In our opinion, goals – not relative returns – should drive the investment process.

The Wealth Maximization Program™ increases the likelihood that the clients’ goals are achieved and enables them to take advantage of unique investment strategies designed to preserve capital first. Each client receives an Investment Policy statement which clearly explains what is required to achieve their investment objectives as well as lay out a recommended plan for attaining them.

Our program takes a relatively conservative investment approach, centered on preservation of capital and the attainment of absolute investment returns whenever possible based on the following principles:

Risk first, returns second.

Our first priority is to protect your assets, even as we strive to help you increase your wealth. We use various strategies to reduce risk such as non-market based investments, hedging strategies and other methods to manage risk. We are willing to concede some degree of potential return to protect your hard-earned assets because risk can be managed but cannot be eliminated!

Separate management of risk and return.

We believe that the same manager who focuses on growth and returns has a difficult time adequately also managing risk. Our solution is to separate these mandates. Institutional managers manage and maximize returns. Our role is that of the client’s advocate and manager of risk. We actively manage risk ourselves through our in-house risk management process in coordination with the decisions made by selected money managers. This provides an added level of checks and balances in our investment process.

Market and Non-Market based investing.

Our investment management process is distinguished by its management of risk first and foremost. Our process is simple to understand but is not easy to implement. It requires a significant focus on due diligence and understanding of how a diverse portfolio of non-market based investments can lower a clients’ risk exposure. Enhanced portfolio stability can help clients maintain their market investments and composure though unusually volatile markets. It also provides the investment managers with the flexibility to pursue strategies which otherwise would not be feasible if daily liquidity and pricing were necessary.