• Every client is unique
• Markets provide investors with a return on their capital over time
• Understanding risk, controlling volatility, and discipline are the keys to a successful investment experience
• Asset allocation is the primary determinant of long-term investment results
• Keeping costs and taxes low is critical to long-term investment success
• Policy of ethics, disclosure, and education is the best way to earn our clients’ trust
• Independent, fee-only advice serves the best interest of the client