The two cornerstones of our investment philosophy are preservation of capital and steady growth. We believe that protecting assets in the declining markets is essential to ensuring that our clients’ assets will be available to them and future generations. Our investment philosophy is driven by one ultimate goal: enhancing total portfolio results for each client while keeping in mind risk across all market cycles. This approach is based on a set of fundamentals we adhere to in our day to day wealth management: a focus on after-tax, total portfolio returns; global diversification and balance across asset classes. While keeping in mind clients’ time horizon, liquidity needs and goals, we also focus on developing a long-term forward looking investment program to meet their overall goals.