We do the driving so you don't have to

Above all else, we know we are managing money that you are depending on for your family and your future needs.  This underpins our approach to managing for risk as well as for reward.  We continually assess potential risks and opportunities in the broad market environment so as to position our clients’ portfolios appropriately to meet their long-term goals.  

Once we understand your investment goals, risk tolerance, and any other important factors for our consideration, we determine together an asset allocation among stocks, income vehicles, and cash that seeks to meet your investment objectives, taking into account your comfort for potential downside volatility.  Our asset allocation recommendation will range from 100% income vehicles to 100% equity, with each portfolio settling on an appropriate combination of the two along the risk/reward spectrum.

Investment approach for equities and income vehicles:

• Equity investment - Our approach combines the benefits of macro-economic analysis from RBC Capital Markets’  strategists and economists with thematic and specific company analysis from our highly regarded industry analysts.  Our macro forecasting provides value by assessing the larger opportunities and risks in the market environment, enabling us to stay focused on the longer term trends that are most likely to impact investment returns.  Our thematic and company analysis supports our selection of the individual companies and securities in which we invest.  We generally invest the equity portion of portfolios into a combination of index investments and individual companies that we determine offer strong earnings growth prospects at a reasonable price.  This combination of passive and active investment provides broad diversification as well as a focus on specific themes and companies that we believe will enhance long-term portfolio growth.  

• Income investment - In investing the income portion of portfolios, we select from individual tax-free bonds, corporate bonds, CD’s, U.S. treasuries, and preferred-stocks as are appropriate for each type of client account.  We often ladder maturities so as to provide a potential hedge against future significant interest rate fluctuation.  We believe strongly that bond mutual funds do not provide this same safeguard.  We are meticulous in our selection, finding the best values among securities of companies and municipalities with strong balance sheets and solid long-term outlooks. 

Our investment management process is active and ongoing, always searching for new opportunities and assessing current risks and rewards.  We do the driving so you don’t have to. Contact us today to learn more.