Portfolio Strategies

Our clients share the common goals of preserving and growing their wealth. But each one has a
different plan for how and when they want to use it. That's why we work to get to know you, so we
can customize your portfolio to best achieve your personal investment objectives.

We begin by discussing with you such considerations as your risk tolerance, return objectives,
personal savings plans and income needs. Next, we understand your investment constraints,
such as liquidity needs, time horizons, tax concerns, and any other unique circumstances.
We then construct your portfolio as Growth, Balanced or Income, with weightings dedicated
to these asset classes: equities, fixed income and cash.

Equity Portfolios are designed for those whose whose primary investment
objective is capital appreciation. Equities are the main components of growth portfolios.

Balanced Portfolios seek growth, but focus on greater stability and higher current income. Balanced portfolios comprise a mixture of all of the types of securities noted above.

Income Portfolios concentrate on the goal of current income, while emphasizing capital
preservation. Bonds, high dividend-paying common stocks, and preferred securities are the
primary investment vehicles in this approach.

In an effort to acheive long-term capital appreciation and to maintain the best investment selections
in our clients’ portfolios, we regularly monitor and analyze your portfolio holdings, asset allocation
and performance.