Diversified Investing Program (DIP)

For clients seeking a broadly diversified portfolio that covers multiple asset classes, investment styles and strategies. Each portfolio is constructed according to client risk tolerance, investment objective and time frame. Strategies range from conservative to aggressive. Portfolios are composed of Exchange Traded Funds (ETFs) and Mutual Funds along with a smattering of other pooled investments. Of late we have added individual short term Treasury bonds (in certain accounts) to take advantage of their higher interest rates and low price volatility. Portfolio construction considers both top down trends, ie., inflation, and bottom up security analysis, ie, valuations. DIP makes extensive, though not exclusive, use of ETFs due to their excellent liquidity, tax advantaged structure, low cost and broad product variety and versatility.

Balanced and Income Strategies

The Balanced Program is a diversified approach designed for clients with a moderate risk profile. It uses a mix of individual stocks and income producing securities.  Many of the stocks in the Disciplined Investment System are represented in this strategy.  Income producing securities include individual bonds, bond mutual funds, closed end funds, preferred shares, master limited partnerships and high quality dividend paying stocks.  The Income strategy is designed for clients with a lower risk profile.  It only holds securities that produce an income stream though interest or dividends.