Nowhere is our "complex made simple" mind-set more befitting than when it comes to our core-tactical investment process.  We don't rely on a static buy-and-hold approach ("set it and forget it"), nor do we let knee-jerk market reactions dictate our decision making process.  Instead, we seek to complement traditional asset allocation methodologies with more proactive and ongoing investment considerations. Our process is rooted in sound rules-based and quantitative analyses that takes emotion out of the investment planning equation.  Our core allocations are constructed using a prudent, low-cost, diversified lineup of equity and fixed income investments.  In many cases, we augment core allocations with one or more of our tactical investment strategies.  Core allocations are generally considered longer-term holdings, while tactical investments may be more opportunitistic in nature.  We believe that the combination of risk-based asset allocation methodolgies coupled with customized tactical investment strategies can create a dynamic portfolio blueprint, designed to capture the potential for incremental long-term investment returns.


    Core Allocations


    The core equity allocation represents the foundation of stock-related holdings within each client portfolio. The specific amount earmarked to the core equity allocation is based on the investment objectives of each client and is constructed in tandem with the core fixed income allocation of each portfolio. These two sleeves of each portfolio combine to serve as the underpinnings of our portfolio construction process.

    • Diversified Equities

    • Diversified Fixed Income

    • Socially Responsible Investment Options

    • Low Cost

    • Primarily Passive 

    • Risk-Based Asset Allocation

    Tactical Allocations



    Tactical allocations serve as a complement to core allocations, and are designed to seek incremental performance potential by attempting to capitalize on unique market opportunities or alternative investment styles. The amount earmarked to the tactical allocation of each portfolio is determined on a client-by-client basis.

    • Blue Chip Stocks

    • Deep Value Stocks

    • Innovative Growth Stocks

    • Managed Volatility Allocations

    • Dividend-Income Investments

    • Alternative Assets

    • Cash Alternatives