What are your goals?
When can we
retire? Will we have enough retirement income? Will we
be able to maintain our standard of living? Will we outlive
our money or will our money outlive us? How much can we
travel during retirement? Can we afford to pay for college? Do
we have enough life insurance? Will my spouse have enough income
after I die?
"
If you buy any asset without first valuing it, you should admit to
gambling. Indeed, any stock picking method that isn't premised
on sober appraisal of intrinsic worth is useless, and ultimately
degenerates into trial-and-error forecasting."
~Warren Buffett
"The business schools reward difficult complex behavior more than simple behavior, but simple behavior is more effective."
~Warren Buffett
For your portfolio, we build a diversified, risk-adjusted mix of securities with proven, time-tested methods, and let others reinvent the wheel. Our only intent is to maintain a portfolio that helps you accomplish your goals with the most return and least amount of risk for that return.
Your portfolio is comprised of equity models that we believe represent the best of fundamental analysis with the best of technical analysis.
Models have no emotions. They don't have bad days or arguments with spouses or hangovers or mortgages. They pay no attention to colorful stories, fads, press releases or hunches. Formulated models removes our emotions--and yours--from security selection and timing, which is usually a good thing.
It is our belief that disciplined use of these emotionless strategies will grow your assets, which will grow our income. In down markets, our income declines in the same percentage as your assets. That is our way of walking the walk.
"Models
beat human forecasters because they reliably and consistently apply
the same
criteria time after time. In almost every instance, it is
the total reliability of application of the model that accounts for
its superior performance."
~James P. O'Shaughnessy