Investment Management Services

Our investment management process is based on facts. We do not buy into the investment principals of the past, that you should buy an asset and hold it regardless of market cycle. We also don't believe market timing is a long-term winning game. We do believe in looking at what the market is doing right now, and trying to take advantage of what the market will give us.

We employ a process that has been refined over many years. Our process employs three primary indicators and strategies that run off those indicators. The thesis of our process is that markets tend to be persistent. So if we have an asset that is outperforming others, that scenario is likely to persist. Likewise, if an asset class is under performing that is also likely to persist. With that knowledge we can begin to determine what asset classes are relatively stronger than others, and determine where we would like to invest.

Each of our portfolios employs multiple strategies to provide diversification. The strategies provide diversification by investing in different types of assets, and potentially by using different indicators. The weighting of each strategy is determined by the risk tolerance of the investor.

Indicators

We employ three primary indicators; a short-term, mid-term, and long-term indicator. The fact that the indicators function over three different time periods allows us provide additional diversification beyond the typical asset class diversification. Since the indicators run independently from one another, the various strategies they govern also run independently and may be invested over different time periods.

Strategies

We use multiple strategies in each client portfolio. By accurately assessing a client's tolerance for risk and assigning that risk a number, we then have the ability to mix our strategies into a portfolio with a similar risk number. This will allow us to use multiple types of assets, including different types of stocks and bonds, to build a portfolio that matches the client. The risk can be re-assessed at any time and the portfolio adjusted accordingly. The different strategies provide diversification in type of asset, and in the time-frame of the indicator used to govern the strategy.

Underlying Investments

In most cases we are attempting to follow a market index, like the S&P 500 or Dow Jones Industrial Average. In order to do this we primarily employ Exchange Traded Funds (ETFs). ETFs tend to be un-managed funds which results in a lower cost way for us to invest. In addition to providing access to an index and lower cost, they also trade throughout the day, which means when we are ready to make changes they happen quickly.

Investors should carefully consider the investment objectives, risks, fees and expenses before investing. For this and other important information please obtain the investment company fund prospectus and disclosure documents from your Rep/Advisor. Read this information carefully before investing.

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