Let’s achieve both. ​


Our Services

Wondering what to expect? (Hint: think informal, friendly and relaxed conversation)

Which strategy best fits your goals, timeframe and risk tolerance? Our advice is grounded in decades of experience. 

We offer combinations of investment disciplines as individual as you are, providing thoughtful, caring consultation on:

  • Retirement Planning
  • 401(k)s
  • IRAs
  • Estate Planning
  • Tax Planning
    and most importantly:
  • Ongoing, committed support to help you achieve your financial goals.

Our most popular investment strategies include:


How do we evaluate environmentally responsible investment?
Transformative drivers of environmental change must, in our view, do at least one of the following:

  1. Generate and distribute renewable power
  2. Develop wide-scale energy efficiency
  3. Create sustainable infrastructure for:
    • Waste Remediation (reducing, repurposing, recycling)
    • Making water clean and plentiful
    • Achieving similar projects with real-world results.

Most investment companies now offer funds and ETF’s that are labeled “Environmental”. But the same question applies:
• Which of these are worth your money?

What are the most effective climate investments? We believe they involve companies and funds with verifiable track records of outwardly-engaged environmental focus, rather than, for example, corporations primarily committed to purchasing tree-planting credits to offset their own carbon footprint. Though we laud every effort, this latter group unfortunately seems to be (by far) the most prevalent offering that Climate Change investors will encounter today. We know, because we’ve looked under the hood and studied these watered-down offerings in detail. 

Corporate carbon-neutral commitments can be hard to quantify, spread over a long time-span, sometimes amounting to little more than lip service. The bottom line is, if you want your money to make a significant impact on our world, it’s critical that it goes to the right companies and funds — to people who are energetically involved and have climate commitment as their primary vision.

And as we have mentioned, the returns for green investment can exceed those for so-called traditional industries and sectors. It is now becoming apparent to today’s investors, and mainstream business as well, that sustainability is simply more profitable in the long run.

The revolution in enhanced wireless communication and data storage facilities is only beginning. This sector is likely to be rewarded with high returns on investment and can also provide unique portfolio diversification.

Something to consider is how the renewable energy transition and digital electrification are interrelated. For example, Schneider Electric, a global company active in more than 100 countries (and one of our favorite ESG performers), has a large footprint in both of these sectors.

  1. Climate and energy related
  2. Aging highways, bridges
  3. Utilities and electric grid
  4. Telecom
  5. Digital

The US government is rolling up its sleeves to tackle urgent infrastructure upgrades. Investment in this sector is expected to provide rewarding returns. 



When In Doubt, Use Common Sense.

Rebalancing, risk mitigation, return enhancement and other active management techniques can safeguard investment during uncertain times.

In order to determine the optimal choice and allocation for any asset in a portfolio, money managers must have a current, robust understanding of the macroeconomic landscape. As a result of the sheer number of hours per week spent continually researching this field with its myriad areas of data analysis, we feel this is one of our core strengths.

Despite consistently rosy predictions from media outlets, we see potential economic market dislocations and stresses. Our Defensive Growth Tactical Allocation Portfolio (DGTAP) is positioned to capitalize on fractured economic fundamentals that have been manipulated by central banks. It’s our considered thesis that the massive debt created by these actions, along with a global demographic shift toward an aging population, will impact future economic growth.

In particular, our prolonged, overheated, speculative business cycle may be nearing its end. There is no “New Normal” of infinite economic expansion free from cyclical contraction, though such magical thinking has been put forth by media pundits during this and past market bubbles.


Dividends are Hard Not to Like. 

For regular income, increasing profits, reducing overall portfolio risk, offering tax advantages, and helping to preserve purchasing power of capital, it’s hard to beat steady dividends.

Dividends, whether paid from bonds, stocks or real estate, can stabilize portfolio volatility. They can also be used to provide a steady income.


Expecting the Unexpected. 

Investment risk is commonly defined adeviation from an expected outcome. Risk management is the process of assessing, managing and mitigating potential losses.

As thorough and thoughtful risk managers of our client’s money, we use multiple strategies and methods, depending on the portfolio objective and client’s tolerance of risk.


The Defensive Growth Tactical Allocation Strategy is designed to capitalize on economic and market fragility, which has been brought about by central bank interventions, corporate debt levels, demographic shifts, business cycles and other factors.


These factors may express themselves as credit/ stock market events, potentially significant in the near term. The portfolio is a defensive yet opportunistic strategy.


This investment strategy can be combined with others to fit your needs. Please feel free to contact us if you would like to discuss and explore investment ideas and options.

Dividend-Focused Investments are stable dividend payers.


Fixed Income/Bonds, Infrastructure, Real Estate; mutual funds, closed-end funds, unit investment trusts and exchange traded funds, ETFs — all pay out income earnings to investors in the form of dividends.


Dividend-Focused Portfolios can be conservative and low volatility, or greater volatility in exchange for higher dividend potential.


Our risk control methodology includes, but is not limited to:

  1. Due Diligence

  2. Diversification

  3. Volatility Targeting

  4. Risk Hedging.