A program is tailored to your requirements and managed within the parameters of our balanced investment philosophy. This involves a blending of mostly dividend paying stocks with corporate and tax-free bonds, U.S. Treasury obligations, and money market instruments. The exact allocations between the several asset groups is determined after thoroughly understanding your tax and financial circumstances and your investment goals. The allocations are also influenced by our ongoing review of the economy and the capital markets.

The time we spend getting to know our clients creates the foundation for long-term relationships—sometimes more than one generation. We devote the time necessary to be certain we fully understand your circumstances and financial aspirations before embarking on an investment program for you. Once this has been done, and we have agreed on objectives, your portfolio is systematically developed and then regularly reviewed to assure it remains on track.

Balanced investing is the primary method we use. It is an approach that has historically tended to protect values in weak markets, enhance values in strong markets, and produce consistent results for investors with limited risk tolerance and a willingness to stay the course. Experience has shown us we do our best work, and our clients benefit the most, when they vest us with the discretion to make our managerial decisions in a timely manner and report to them afterward.