Our Mission Statement

We are committed to maintaining the highest standards of integrity and professionalism in our relationship with each and every client. 

We endeavor to know and understand your financial situation and provide you with only the highest quality information, services, and products to help you reach your goals.

While we cannot "time" the market: -no one can successfully, we still pay close attention to the economic cycles and the broad trends in the markets. By employing a disciplined "Tactical" approach to markets our goal is to help clients benefit from the majority of times when the markets are positive but to also preserve value during large downturns known as bear markets.

While no system is perfect and past performance cannot guarantee future results, by reducing exposure to equity assets at the start of the major market declines in the past 30 years, clients have reduced the volatility of their portfolios and lowered their risk.

An added benefit of preserving capital during downturns is that it allows you to buy assets at significantly reduced prices, when prices are cheap, which can improve long term results.


Such a strategy does not guarantee against loss in the market, but when done properly can significantly benefit a long term investor.



One of the most famous Investors of all times, Sir John Templeton, founder of the Templeton Funds once said:

           "It is extremely difficult to go against the crowd—to buy when everyone else is selling or has sold, to buy when things look darkest, to buy when so many experts are telling you that stocks in general, or in this particular industry, or even in this particular company, are risky right now. But, if you buy the same securities everyone else is buying, you will have the same results as everyone else. By definition, you can’t outperform the market if you buy the market. And chances are if you buy what everyone is buying you will do so only after it is already overpriced.  

Heed the words of the great pioneer of stock analysis Benjamin Graham: “Buy when most people…including experts…are pessimistic, and sell when they are actively optimistic.”