Our Mission Statement

Our mission is to provide high quality retirement planning and investment services.

Portfolios are generally developed using laddered fixed-income securities, annuities, mutual funds, exchange traded funds(ETFs) and stocks. Mutual funds and ETFs are often used for exposure to markets where we may not want to buy individual securities, such as certain fixed income markets (i.e. high yield securities or loans),  foreign markets, small cap stocks, etc.

Individual stock portfolios generally emphasize dividend paying issues diversified by economic sectors. Mid cap stocks are used more where there is a desire for growth potential. There is an emphasis on reasonably valued, “out of favor” stocks in the stock selection process.

Generally, we look for longer term opportunities with emphasis on lower portfolio turnover, often resulting in lower costs, and developing a portfolio intended to fit a client’s needs and risk tolerance.