Giraffe – photo by Grant Heimann


It is believed that maintaining a target asset allocation (diversified portfolio) is the best way of steadily growing wealth over a long-term horizon, and is superior to market timing (which is definitely not recommended).

Low-Cost Index Funds & ETF’s

Low-cost index funds and index exchange traded funds (ETF’s) are recommended for clients’ portfolios.  Existing holdings will be evaluated, taking into account their asset classes, ongoing costs, redemption costs and tax consequences of liquidating the holdings.


Regular rebalancing of portfolios is very important to the overall investment process.