Philosophy It has been our experience that investment success is usually determined through an unwavering and disciplined commitment to a set of clearly defined investment principles. Collectively, these principles define our investment policy:Investments are a tool. Your investments are a tool to help you pursue your life's dreams and goals.Diversify. Diversify. Diversify. Billion-dollar pension plans use diversification to help reduce risk and enhance potential returns—and so can you.Do not invest with your emotions. A rational and disciplined investment management approach—not emotion—should govern investment management decisions. We will help you stay the course when “greed and fear” are running high.Keep performance in perspective. The true measure of success is whether or not your investment portfolio is on track to target your needs and objectives.Think long-term. Superior returns over the long term are the results of your long-term asset allocation. Chasing “hot investments” in the short term inevitably leads to poor long-term portfolio returns. Not losing sight of your long-term goals will help you ride out the inevitable short-term market fluctuations.Seek to “minimize risk” while “maximizing returns.” Asset allocation and “style” diversification can be effective means to minimizing risk while maximizing returns.Asset allocation and diversification does not assure a profit or protect against a loss in declining markets.