Regardless of the specific investments chosen for a portfolio, our philosophy is grounded in strategic and tactical asset allocation. We are different based on how we execute this.

1. We primarily use exchange-traded index funds.
2. We buy up-trending markets for growth and sell down-trending markets for protection within the ranges of your plan. We do not subscribe to a static buy & hold approach.
3. We regularly compare the portfolio's performance to an appropriate blended benchmark so you can judge your progress.

Index funds allow us to focus on allocation, the most important factor in performance, rather than on stock or manager picking. Plus, index funds are cost effective and usually tax-efficient. A flexible allocation range for each asset class allows us to add value by over or under-weighting a particular asset class. Lastly, we'll show you performance results that are meaningful - versus your goals. It's straightforward, and that is different.