For the institutional investor, the investment policy must be reviewed to address the relationship between policy restrictions and expected future investment returns. This analysis includes how asset allocation and diversification guidelines, in conjunction with specific restrictions, affect expected future rates of return. It is a candid discussion of prudence versus performance.

                   For the individual investor, the same asset allocation, diversification and investment restrictions are explored. The process begins with a net worth analysis of assets, liabilities, income needs, and tax strategies, and concludes with investment temperament. In essence, we follow a detailed process to build your investment portfolio designed around your specific needs, your goals, your time horizon and your risk tolerance.