Our investment philosophy is built around you. The first rule of order is to figure out what your financial goal is and then build the plan around that. Once we know what the goal is we can make recommendations on what kind of investments would approriately serve you. We strongly believe in diversification. Although diversification does not guarantee gains or prevent loses it gives you a higher probability of achieving your goals. Just because you own 50 mutual funds, several stocks and bonds does not mean you are diversified. To achieve diversification you must be exposed to all the major asset classes. When we do our asset analysis we will review with you what asset classes you own and what asset classes you are missing. Another subject we talk about is risk. We encourage clients not to take any more risk than they have to. Diversification also includes making sure you are using the appropriate available tools. Our representatives are constantly taking classes, going to seminars, and taking continuing education classes so they are knowledgeable about the great tools to help you achieve your goals.