Investment Process

We approach each client individually, adapting our strategies to the client's unique life stage and financial phase – and their specific needs. For example, some of our clients are going through the initial stages of accumulation; our strategies for these clients would be different than for older clients who are going through the later stages of distribution.

When things get tough, we don’t go silent: we increase our client communication. This is where we believe we most earn our value as financial advisors. In moments of crisis, it’s easy to become emotional based on the headlines and popular news reports. This is when our objective counseling becomes crucial, to help ensure our clients don’t make snap decisions. Instead, we help them make informed, educated decisions they can feel confident about. This also is a good opportunity to reassess their overall risk tolerance, and identify their true needs moving forward.

"We diversify a client’s portfolio, not only across asset classes, but also by the ways in which they move in relation to each other. We diversify further by using different strategies for different portions of a portfolio, depending on a client’s specific goals and the time horizon. We don’t want all the strategies in a portfolio to be up at the same time, because we also don’t want all the strategies to be down the same percentage during hard times. We know we’re truly diversified when a client is always more pleased with one portion of their portfolio over another. We believe this helps create a smoother ride in the long run, by lowering the overall volatility of the portfolio." – Samantha Fraelich-Rohe, CFP^®

Find out about the clients we help

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.