Millions of investors place their trust in financial advisors to manage their portfolios.  However, we are different because we offer “pension-style” portfolios along with our personalized advice to help you achieve your goals. As a result, most of our clients have entrusted us, not with part, but with all of their investment wealth. If you...Read More

“It’s pretty easy to get well-to-do slowly. But it’s not easy to get rich quick.” ~ Warren Buffett We came across surprising statistics regarding day trading. Did you know that only 1% of traders are profitable? Moreover, 60% quit after one month, and 80% quit within two years. Scientific research indicates sucessfull investors tend to invest...Read More

“A calm and modest life brings more happiness than the pursuit of success with constant recklessness.” ~Albert Einstein How do we overcome the financial mistakes investors repeat generation after generation? How do we manage our instincts such as fear, envy, and overconfidence?  Our answer is that “pension-style” investing solves these problems and helps us sleep...Read More

Everyone is happy when stock markets rise and, fortunately, they do achieve positive returns most years.  Yet, the longer you invest, the more likely it is you will encounter challenging markets. Still, the only way for investors to fully enjoy their attractive long-term gains is to stay the course during market dips.  Our “pension-style” portfolios...Read More

“The real key to making money in stocks is to not get scared out of them.” ~ Peter Lynch, Fidelity The most successful investors often surprise us with advice that seems counterintuitive: Do not attempt to forecast financial markets. Maintain your investment discipline during periods of market turmoil.  The average investor may find it difficult to follow these...Read More

We would like to provide you with some relevant perspective on the current market volatility.  Corrections are a process and they are eventually met with an effective policy response. This encouraging chart shows how the S&P500 historically performed during the year following a sucessful resolution:   Source: Alpine Macro The point of maximum financial opportunity occurs during...Read More

Do you want to know how to build meaningful wealth during a lifetime? The most proven way is achieved through business ownership. By investing wisely in the shares of companies trading on public stock exchanges, we become owners of companies which allows us to “share” in their growing corporate profits.  Evidence for the ability of business...Read More

Our CommonWealth “pension-style” portfolios participate strongly in market upside while incorporating a diverse set of effective strategies to adjust risk on your behalf. This multi-strategy approach is specifically designed to protect your funds against market downside. Each fund employs a unique risk management tool and in combination they provide you with a complementary suite of...Read More

Your investment portfolio must be properly suited to the financial goals you wish to pursue.   What matters to people is their particular market experience during their personal investment time frame.  This article by Ben Carlson explores how different time periods can produce highly variable market returns: https://www.virtus.com/assets/files/8wn/the-long-term-depends-on-your-time-horizon_5004.pdf Keep in mind that long-term stock market numbers...Read More

Our pension-style portfolios are designed to smooth out your investing experience while meeting your long-term goals.  Examine this fascinating “Sector Quilt” chart to see the drastic annual differences in performance among individual compnonents of the S&P500. Sectors frequently oscillate between the best and worst performers from year to year which demonstrates the benefits of ongoing...Read More