Thank-you for taking time to visit us. Our one desire is to give you hope -  a hope that refreshes and restores confidence about your financial future. Restoring hope takes time and does not happen overnight. However, with a well thought out game plan based upon sound risk management strategies it can be accomplished. With this in mind we invite you to sit back, relax and read on about a unique approach to restoring hope.  

"Restoring Hope Through Strategic Risk Management”.   

The key to a successful financial plan is to accumulate the capital or money necessary to see it through to the end. Therefore, we believe risk management is the foundation of any financial plan. The question then becomes what risk management system do you use in order to have the greatest odds of being able to execute the plan? 

The conventional notion of risk management is “modern portfolio theory” (MPT) formulated by Harry Markowitzt in the 1950’s. Stated simply MPT says that investors can minimize market risk for an expected level of return by properly diversifying their assets. In other words “buy and hold for the long-term” and “don’t put all your eggs in one basket”. We believe adherents to this theory have settled into a state of listless passivity as they watch the value of their investments erode, and their hopes erode as well. 

We believe a properly designed system of risk management must be actively managed, and include both the old and the new. We embrace modern portfolio theory, but have added to it technical indicators, a compass, for guiding our investment advice. We take a top down approach, which helps us determine who currently controls the market – buyers or sellers. If buyers are in control we use strategies that help accumulate wealth. However, if sellers are in control our strategies change to involve wealth preservation strategies.

The devastating markets since 2000 have taught most folks one thing.  Whatever they are doing is not working and does not give hope.  If your find yourself is this situation we invite your find out more about how we manage risk in the in Risk Management System FAQ’s.