Asset Allocation Advisors Investing

Our investment objectives serve as the guiding beacon of our investment strategy. We have consistently embraced the two vital objectives that are important to successful investors: profits (making money), and protection of capital (keeping it). Both are essential to long term investment success.

Investment Strategy

Our investment strategy embraces a balanced approach to investing, relying upon a diversified mix of both stocks and bonds. The implementation of our investment strategy harnesses the brains, research and abilities of a select team of the best balanced fund managers with objectives similar to ours.

The key premises of our investment strategy are threefold:

1. We believe a balanced approach to investing — that employs a diversified mix of stock and bond investments — is the best long-term path for investors seeking both profits and protection of their capital.

2. There are a handful of exceptional balanced mutual funds that have outperformed their peers for multi-year periods, spanning times of adversity and prosperity.

3. We believe that identifying and using these exceptional balanced mutual funds (the best of the best) should result in superior results over the long term by enhancing investment returns and protection of capital needed to build wealth.

1. Research -- identify the best funds with a history of surpassing the performance within their peer group of funds with similar objectives,

2. Act -- implement investment decisions, adjusting and realigning portfolios as needed, and adding and deleting funds as required, and

3. Review & Monitor -- ongoing analysis of each fund and its investment process, progress and contribution to your portfolio, investment goals and desired results.

Mutual funds selected are our "A" list of balanced no-load and load-waived mutual funds available to our clients through Schwab Institutional. The selection process is based largely on the premise that balanced mutual funds that have attained superior investment results during the past 3, 5, and 10 year periods, and especially during declining markets, favor continued achievement of above average results in the future. Additional considerations are continuity of fund managers, the consistency of their investment philosophies, and statistical measures concerning how well a chosen composite of selected funds interacts to increase portfolio stability.

Although no assurances can be given concerning future investment results, and past performance does not guarantee future performance, we believe that funds with a history of exceptionally good performance over an entire market cycle, spanning periods of prosperity and adversity, in both up markets and down markets, are logical candidates to continue to achieve above average results going forward.

A carefully selected portfolio of 8-12 mutual funds, compared to two or three, offers additional layers of portfolio diversification and capital stability. While all balanced fund managers include both stocks and bonds in their portfolios, their specific management styles, methods, and investment selections may vary widely, causing different funds to look and behave differently. Our investment process also factors in how funds chosen for your portfolio work in aggregate, as much as for the individual attributes of each fund.

Improve investment results using balanced mutual fund investments with a demonstrated history of superior results (slow and steady wins the race) and are well suited to attaining the investment objectives of profits and protection of capital.

Increase portfolio stability with a balanced and diversified mix of carefully selected investments using stocks and bonds.

Use the best balanced fund managers with our carefully selected multi-manager team of professionals that we believe are among the best of their peer group.

Stay informed with easy to understand written communications, including quarterly overviews of your portfolio and its progress, and timely Investment Bulletins that explain each adjustment to your portfolio as changes are implemented.

Evaluate your progress quickly and easily by using a measurable benchmark to objectively assess how well we are doing in achieving your goals in relation to comparable investment alternatives.

Direct, easy access to everyone at our firm means all of your questions are answered promptly and clearly. Enjoy the comfort of personal service - working with people that know you and care.

Gain peace of mind from working with a seasoned team of experienced investment professionals that know how to get the job done. Each of the principals and support staff of our firm have more than 25 years of experience in the investment business.