Client Attributes:

Most of our clients have completed or nearly completed the accumulation stage of their financial lives. For most of them management of risk is as important as pursuit of gain, because they could not replace, the capital they have accumulated with future earnings.

A substantial portion of our clients seek to generate investment income from their portfolios, as well as capital appreciation,, and some are dependent on their portfolios to maintain their lifestyles.

Generally, our clients are middle-aged or older with several million dollars or more of investment assets. Some have tens of millions of dollars in their portfolios. They tend to have several of these attributes:

• Financially mature stage
• Substantial assets
• Can't recreate their wealth if lost
• Understand need for process
• Risk aware
• Feel worse on loss than feel good on gain
• Want active risk management
• Don't want loss of ultimate control
• Want to be able to see their assets
• Want independent access to their money
• Want flexible asset withdrawals
• Want to communicate directly with the portfolio manager
• Want to know what they own and why
• Want to be kept informed
  

Our younger clients tend to be entrepreneurs who have sold their businesses, and who do not wish to work again. Our older clients include former entrepreneurs and people who through high incomes, wise investing or a combination have accumulated substantial sums and now seek time to enjoy their lives without intense concentration on their portfolios.

All of our clients are people who do not want to be "sold" investments, who do not want to be put into a "cookie cutter" model portfolio, who want a customized portfolio suitable to them, and who wish to have a direct and one-to-one relationship with and ready access to the person who manages their money.

Some clients manage their own money and simply need a dependable person to call upon to discuss ideas and get second opinions, or particular research. They are our Investment Coaching clients.

Some clients do not wish to manage their own money, and want someone else to do that, but in a collaborative way so that they always know what they own, why they own it, what to expect from the portfolio and under what circumstances they should change or exit positions or allocations. They are our Portfolio Management client.