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Investing with Certainty
Low-volatility investing — for people who want to preserve their nest eggs.
What do we mean by Investing with Certainty?
Firstly, it doesn’t mean having a crystal ball or being a fortune teller. It doesn’t mean knowing whether a stock, let alone the entire market, will go up or down.
We believe that certainty is a belief and a feeling that comes from...
1) Knowledge
2) Process
3) Service
Knowledge
Having managed money through the 2008 financial crisis as well as Covid, we’ve seen firsthand how investors react to volatility. As such, we know how much easier it is for those who experience less of it. This is psychology rather than numbers, and it’s oftentimes the more important ingredient to long-term success.
Process
For two decades we’ve built customized portfolios with a focus on income-producing investments, primarily bonds that pay a fixed rate of interest (similar to a CD) and stocks that pay dividends. We believe this is the best way to reduce portfolio declines when markets correct as well as to provide a consistent source of income.
Service
Regardless of what the need is, our policy is to be available and make it easy. As such, we are reachable by text, email, or phone. That’s the certainty our clients need.
What is
Low-Volatility Investing?
When people are in their working years they tend to be invested exclusively in stocks, especially inside their 401(k)s. This is often the case for people later in life as well. In fact, it’s extremely rare for us to be presented with a portfolio with any individual bonds in it.
But people’s needs change as they age. They need income more than growth, and they value stability and security more and more. Most are not okay with significant declines in their accounts; many get nervous even with modest ones.
We can help. Our goal is to keep the blood pressure low. We build customized, diversified portfolios of bonds, and then we add stocks based on a person’s tolerance for risk. We focus on established, dividend-paying companies whose stock prices are more stable than the overall market.
It’s been our experience that a more stable portfolio makes for a more stable investor, one far less concerned about the market’s gyrations and thus more able to focus on their daily lives.
What We Do
Our Signature Service begins with coming to a better understanding of who you are, what you value, how you spend your time, what fulfills you, and what concerns you have. We especially want to know what you would most like to get out of a relationship with a financial advisor. We expect our clients to be with us indefinitely, which means we need to gain and grow trust over time.
Keeping Your Nest Egg Safe
All accounts are securely held at Charles Schwab. Your account is in your name. We simply manage it and are paid a fee directly from it.
Fixed Income Specialists
We have been managing fixed income portfolios for two decades. We build portfolios from the ground up, from the most conservative investments to the most aggressive. The specific mix depends on you.
Dependable Partner
Our clients need to know they can reach us. It truly is our pleasure to hear from and serve them. As such, we're easily accessible by text, email, or phone.
We're going to make it easy for you.
1. You can talk with us as much as you need.
2. We'll handle the paperwork.
3. You'll have online access to a comprehensive view of your investments.
4. You'll receive periodic communications about pertinent financial topics.
