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Our Process

Our Clients are taken through a five-step process in order to ensure that we have covered all aspects of their financial welfare.

  1. Risk management: Our real expertise lies in the area of risk management.  We specialize in minimizing the investment risks of our clients.  Although no one can guarantee against loss, there are key steps that can be taken to help mitigate losses.  In addition to managing this within your portfolios, we will also do this for your daily living.  For instance, although our firm does not handle property and casualty insurance, we will make recommendations concerning coverage amounts, based on income, net worth, and future earnings potential.  Our clients can then take these suggestions to their agent for further discussions.

  2. Investment Planning:  This process involves the total evaluation of our clients’ investment portfolios.  We will make recommendations based on your total portfolio.  We will also provide research information on each investment decision if you so desire.   Our goal is to make sure that your portfolio is properly allocated to help minimize risk.  Along with asset allocation we will invest in the sectors of the economy exhibiting the highest “relative strength”.  Within these “high relative strength” sectors, we will seek to invest only in those individual investments that hold the highest probability of providing the returns you desire with the least amount of risk necessary to pursing those returns.  Your portfolio is then monitored on a daily basis for continued progress towards these goals.

  3. Tax Planning:  Although our firm does not prepare tax returns, we will work to arrange your portfolios and finances in order to lower your tax burden.  Most people overpay on their taxes, without realizing that there are actions that can be taken today to minimize your future tax costs.  Our firm constantly monitors changing tax laws and how new tax legislation will apply to our clients’ portfolios.

  4. Estate Planning:  While we are not attorneys, we do have relationships’ with some of the best in CT and work with them in order to design an estate plan that complements your financial objectives.  Our firm and the lawyers involved will monitor the constantly changing legal landscape, and keep you advised as to any changes that might be needed.

  5. Legacy Planning:  This final process is used to bring the other four steps together into a focused strategy.  Legacy planning involves the constant monitoring and updating of your finances due to tax law changes, changes in the economy, the stock markets, interest rate environments, and geo-political situations.  One of the most important aspects of Legacy Planning is to work with our clients’ heirs in order to ensure continued overall financial success for the whole family.



Asset Allocation does not insure a profit or protect against a loss.

Because of their narrow focus, sector investing will be subject to greater volatility than investing more broadly across many sectors and companies.