PORTFOLIO DESIGN & INVESTMENT ADVICE
The next step is to develop an investment strategy that supports your objectives, time horizon, and risk parameters.  We design a corresponding portfolio that:

• Identifies appropriate asset classes.
• Allocates the asset classes among account types to help support your goals and maximize tax efficiency.
• Makes specific securities recommendations for each account.
• Meets any liquidity requirements for shorter term goals or funding needs. 

Our independence enables us to integrate your entire asset base into your planning, irrespective of where the assets are held.  We may also make brokerage or custodian recommendations to support your investment strategy. 

We typically focus investment recommendations on low cost, well diversified securities that meet the asset class requirements and other parameters defined in the investment plan.  This may include no-load mutual funds and other investments as appropriate to your objectives.