Asset Allocation

We believe the most important aspect of investing is asset allocation.  The asset classes where you invest may ultimately determine your return, diversification, risk-reward profile, and psychological well-being.

The portfolio construction process is dynamic and starts with a detailed discussion with clients regarding their risk tolerance, income requirement, return goals and any specific future cash disbursements.  We then make recommendations, execute the strategy and review it often to make sure it is still in line with the client’s expectations. 

Generally we advise diversification amongst the following asset classes:

  • Global Equities

  • Global Bonds

  • Inflation Protected Bonds

  • Municipal Bonds

  • Exchange Traded Funds

  • Commodities (Real Assets)

  • Lower volatility, higher yielding equities

  • Master Limited Partnerships

  • Liquid Alternative Investments (Mutual Funds, ETF’s, Stocks)

  • Preferred Stocks

Investing involves risk including the possible loss of principal. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Diversification does not guarantee profit or protect against loss in declining markets.