Planning for occasional unpredictability.

The results from any single investment over a short time period are largely unpredictable. We therefore construct highly diversified portfolios for our clients that will enable good long-term returns while reducing short-term volatility.

The bottom line is trust.

Commissions and similar forms of compensation linked to particular investments create a conflict of interest. That makes more difficult the establishment of trust between planner and client and can also lead to bad investment advice. We therefore work only for a specified annual fee.