Investment Philosophy

• Conservative approach; focus on risk, reduced volatility
• Fundamental analysis within macroeconomic context
• Active management of individual securities

Investment Strategy

• Disciplined asset allocation process
• Balanced approach – representation in both stocks and bonds
• Focus on income generation, income growth, and tax efficiency

Portfolio Management

• Tailored separate accounts based on risk tolerance, income needs, and age for individuals
• Greater Control and Liquidity With Holdings
• Commitment to transparency and the fiduciary standard, prioritizing clients’ best interests

Focus on Service

• Personal attention and access to firm leadership and portfolio managers
• Periodic communication including face-to-face meetings
• Forge long-term client relationships