Our Investment Philosophy & Process

How we work with you. Our approach to risk management, macro and micro economic themes, and process.

Our Starting Point

Our Individualized Investment Process:

When looking for the right investment we utilize a three-step process to make optimal decisions. The process begins with an analysis of your needs, we then employ our investment strategy, and once the strategy is in place, we continually monitor risk.

We assess your financial situation and create a critical blueprint and individual plan that is transparent and understandable based on your interests, investment goals, financial assets and preferences. This is step one in determining your asset allocation.
We review:

  • Investment objectives
  • Risk tolerance
  • Investment time horizon
  • Tax needs
  • Your unique circumstances and preferences

We also have the option of adding specialized investment screens to your portfolio to give it a focus on sustainable, green, and socially just companies, and/or empowering women in the workplace.

Once we know your objectives we implement a top down / bottom up strategy when building client portfolios which include:

  • Review of global economic health
  • Sector analysis
  • Fundamental review
  • Technical pattern review

From here we pick a basket of investments that are financially sound to build your portfolio.

Daily, we closely monitor key economic data and global trends. We examine:

  • Credit Analysis: spreads, slope, macro changes
  • Changes in the economic cycle
  • We look for fundamental deterioration
  • We screen for technical breakdown

Investment Strategy

Our Investment Strategy Explained:

This process unfolds with a top-down analysis of the overall domestic and global economic and political trends. Sifting through extensive global data, we determine where we are in the business cycle – expansion, contraction, boom, bust or troughing process. This, along with your personal needs dictates our asset allocation and our preferred sectors and countries.

We overlay this with our bottom up review which includes both technical and fundamental reviews. A few examples of what we review is management strength, income statements, balance sheets, use of capital, and competitiveness.

Top Down Macro-Economic Approach

Global/Domestic Economic Analysis

Business cycle, economic policy, debt structure, fastest growing regions, currency strength

Societal Shifts

Demographics, political posturing, power changes, class structure

Market Analysis

Yield curve, credit spreads, growth sectors & industries, pricing power, technical analysis

Custom Portfolio

Elimination Criteria

Lawsuits, litigation, inability to meet expectation, manager turnover, corporate governance, specific ESG factors

ESG / SRI Screening

Social, environmental, governance screening, policy, transparency, supply chains, ethics, externalities, impact, resource use, initiatives

Security Selection

Fundamental review, product innovation, market dominance, competition, technical strength

Bottom Up Micro-Economic Approach

Macro Investment Trends

While it’s impossible to predict the future, macro trends can signal to us over long periods of time where we may be heading. We have been watching several long-term themes closely which play a role in how we position our portfolios.

Disruptive Technology

AI // Machine Learning // AR // VR // IoT // Autonomous Devices // Blockchain // DLT // Cloud Computing & Infrastructure // Cyber Security Clean Tech // Clean Energy // Clean Heath Care // Robotics & Automation

Advances in technology can and will majorly disrupt the world as we know it.

US Dollar Reserve Status

The dollar as a reserve currency is at risk in the long-term. As emerging economies grow, a basket of currencies may be considered as global power struggles erupt and the world shifts toward nationalistic tendencies.

Water & Farmland

Water is diminishing globally due to climate change, misuse, and abuse. Eroding topsoil, pesticide/herbicide laden practices, and other mismanagement, makes prime well-managed farmland attractive. Habits among consumers will continue to demand organics, cleaner food sources, and plant based alternatives.


Bigger companies, due to access to cheap capital and the ability to compete globally, will get larger and have more pricing power. Policies and regulations are favoring big business over small business which we see as a long-term super cycle. Oligopolies are being created.

Shift to Local Economies

We see a broader shift to improving local economies through micro-businesses. Spurred partially through more nationalistic policies and partially through increased attention to developing resilient communities.

More Conscious Capitalism

As generational wealth transfers, we are seeing a shift in investor focus bringing more scrutiny to public companies. The focus on social, environmental, governance, and ethics related issues is only becoming more apparent. Though this outlook is not just limited to millennials - we are seeing interest and questions come in from all generations on these topics, which we find very encouraging.

Risk Management

The markets are discount mechanisms that have accurately predicted expansions and contractions in the past. We continually and vigilantly monitor the risk of our positions and portfolios to help ensure their safety. There are many risk measures that have helped us successfully assess the level of risk building in the system.  Some of these include:

  • credit spreads
  • debt levels
  • fundamental deterioration
  • technical breakdowns
  • LIBOR (a key benchmark interest rate index)
  • yield curve


For more information about our process and how we can tailor this to your needs and objectives, please visit our contact page and get in touch!