• Your portfolio should be driven by an investment policy statement consistent with your personal goals and objectives, and monitored to make sure adjustments are made on a pro-active basis.
• Diversification among asset classes (stocks, bonds, cash) is critical towards protecting portfolios, especially in bad market cycles.
• On the equity side (stocks), performance is the result of proper sector allocation (such as energy, technology, financials, etc.) even more than individual stock selection.
• No security (except in rare situations) should be more than 5% of one’s overall portfolio in order to avoid excessive risk.
• An investor should understand the risk level of his portfolio as well as what kind of long-term performance he might expect from it.

Once your plan is designed and implemented, we regularly review your portfolio internally and make changes where appropriate because of a change in our investment outlook or changes in your personal or tax situation. You receive a quarterly written report from us and we meet with you periodically to review the status of the portfolio.