Broker Check

Investment Philosophy

Our Investment Philosophy is that every person who places their trust in us to help them with the management of their wealth is a unique individual person. They each have their own unique set of values, and needs, and wants, and goals, and concerns. We believe their wealth management plan needs to be designed according to those unique qualities. The large majority of our clients share common values and common investment objectives of: income (current or future), growth, management of volatility, protection, and management of gifting; and yet each client has their own unique focus and prioritization of these objectives. Therefore we use a comprehensive questionnaire and practice of counseling to clarify each client’s objectives in order to design a suitable portfolio. We strive to rely on our education and 31 years of experience and yet we strive to practice humility and open-mindedness to use portfolio managers and to utilize financial tools that will hopefully help our clients to balance performance and risk with competitive fees that make sense. 

We practice asset allocation with broad diversification of different asset classes and industry sectors. We use numerous measurement variables such as:

  1. percentile rankings over numerous time periods
  2. percentage of returns over numerous time frames from 4 weeks to 10 years
  3. three measurements of risk and return including: Standard Deviation, Alpha, and Beta
  4. specific performance returns in years 2008 and 2009
  5. tenure and track record of Portfolio Managers
  6. yield percent
  7. management fees

We discuss this methodology with each client in the onset of our relationship and at each review meeting (which are held once or twice a year at the client’s preference). We also discuss their option to authorize Jeff K Ross to use his discretion, regarding the allocation and re-balancing of their advisory investment accounts.

In summary, it is the mission of our Investment Philosophy to help our clients pursue their investment goals and dreams and objectives to achieve financial independence.

January 2017

Neither diversification nor rebalancing can ensure a profit or protect against a loss.

Asset Allocation, which is driven by complex, mathematical models, should not be confused with the much simpler concept of diversification and may not be appropriate for all investors.