"FAIL SAFE" INVESTING

What is "fail safe investing?" In it’s simplest form it means an investment strategy designed to protect our portfolios during major market corrections. Sounds like the prudent thing to do, wouldn’t you agree?

Yet few people or investment institutions do it. It seems just about everyone, amateur and professional alike, has adopted the "Buy and Hold" strategy, come what may.

How else to explain the devastating losses suffered by so many in 2000 – 2002, and again in 2008?

I believe there is a better way! And I practice it by selling any investments we own that might be negatively affected by a Bear Market.

I move the money to safe havens like money market and treasury bonds to avoid severe bear market declines, as I did last year.

For more information on how we use simple moving averages to determine when to be in the market and when to be out, sign up for our free Trend Tracker Newsletter.

You can also see more about our strategies by visiting Steve's Blog.

Services/Philosophy

Our clients tell us our greatest value is helping them acquire and maintain Lifetime Financial Security, followed closely by peace of mind.

To accomplish this crucial task we have immersed ourselves in the science, and the art, of selecting the premier No-Load* and Low-Load* investments available in the marketplace.
Our guiding philosophy in the world of investments is to find the most consistently performing and best risk/reward vehicles available in the marketplace. We go beyond that however in our "All Weather" investment management program.
In this, a discretionary asset management program that uses primarily no-load mutual and exchange traded funds; our stated objective is to avoid a negative portfolio return in any calendar year. A tall order to be sure, and one we can't guarantee, but certainly an important objective we strive to accomplish every day.

* See definitions below.

Our Journey Together

There are of course many other areas to manage throughout our lifelong journey. These include but are not limited to health, legal, tax issues, and more. We work diligently to foster relationships with the best qualified and most client centered advisors in every professional discipline important to our client's total well being.

No Load & Low Load Defined

No-Load/Low-Load: investment vehicles purchased or sold without a commission or sales charge, and no commission is paid to a third party, i.e. agent, advisor, broker etc. There are generally no penalties or surrender fees for selling shares or making withdrawals from the account.
This is the opposite of a load, where commissions are charged upon the initial purchase, or a penalty levied at time of sale, and a commission is generally paid to a third party.