We adhere to a single set of beliefs that we apply consistently, whether in managing our own money or in providing advisory services for our clients. This philosophy is the key to the success of our investment strategies and to the success of our clients. It is a succinct, direct, and long-standing approach.

We base our investment approach on the following beliefs:

Ø       We believe a long-term outlook matters. An approach based on short-term goals or tactics doesn�t represent an investment philosophy. The risk of short-term price declines is too significant in the bond and stock markets to hazard money kept for short-term goals. Investing in the bond or stock market is for money that�s needed for long term goals.

Ø       We believe equities out-pace fixed income. Our goal is to invest in a manner that maximizes returns with a prudent level of risk. Since equities have the highest, long-term expected rate of return, we favour equities in asset allocation.

Ø       We believe balance and diversification are musts. Being balanced across asset classes and being diversified within each of these are core elements of our long-term investment success.

Ø       We believe in protecting what you�ve built.  With respect to your entire financial life - more than just your investments - we believe in the effective management of risk to ensure that you achieve your goals, especially when the unexpected happens.

Ø       We believe size counts. Being large enough to have the resources to invest in people, processes, and technology counts.  Our team offers personalized service and our attention to your specific needs ensures we are able to help you reach your goals.

Ø       We believe continuity promotes stability and growth. Excessive portfolio turnover can impede investment objectives.  We believe in rebalancing - when necessary - back to your portfolio�s original asset allocation.  Our investment philosophy does not waver in response to short term trends in the markets.

Ø       We believe experience matters. A history of successful investing, through good and bad markets, is a tremendous asset for both investment advisors and professional money managers.  We have the experience, and we choose money managers that have the experience.

Ø       We believe short-term money has its own objectives.  We have three short term beliefs: we believe in preserving principal - a loss of principal is unacceptable; we believe in maintaining liquidity - cash must be available when needed and; we believe in achieving the highest possible yield.