Investment choices should not be viewed in terms of "good" or "bad."  They should be viewed in the context of your specific objectives.

Therefore, investments choices should be considered "appropriate" or "inappropriate."

In broad outline, our strategy is to create portfolios of professionally managed accounts with two basic characteristics: (1) The blended long-term return of the portfolio would historically have gotten you (the client) where they need to go, with room to spare. Of course, past performance is no guarantee of future results. (2) Our portfolios are constructed in such a way as to spread and balance the historical risks and volatility of the different kinds of investing we’re doing. The techniques are the ones used by:

• The largest pension plans in the country.

•  And rooted in the best academic traditions of this country.

  
  Volatility

For example, if you are withdrawing money from a portfolio, it is important to keep down the unpredictability so that you do not sell at a disadvantageous time and draw down the portfolio too fast. If you are growing the portfolio for long term goals, you may have time to outlast the volatility of the markets and therefore assume a little more risk.

Fees

We don’t earn a cent from the selection of which investments or asset managers we choose, and we don’t offer proprietary products or funds. This lets us evaluate without bias the entire panoply of available solutions and build the best investment strategy for each client investor. There are zero hidden fees. Every recommendation is in your best interest.