Our Philosophy
… on Our Role
Our logo contains three Latin words: servire, consulere, and protegere. These three words encapsulate our philosophy on our role in the lives of our clients:
- To serve (servire): We strive to provide you with the highest quality of excellence in service.
- To counsel (consulere): Our objective is to provide you with sound counsel and advice designed to help you achieve your financial goals.
- To protect (protegere): Our goal is to protect you in good times and bad against an uncertain future.
… on Our Clients
Central to our investment philosophy is the belief that you are an individual with unique needs, goals, and objectives. Accordingly, we do not have pre-set investment strategies. Rather, we will develop a custom portfolio for you, seeking to provide you with the optimal balance of assets and selection of investments. We get to know you and your needs and goals so well that we know when not to do what the “numbers” suggest.
… on Asset Allocation
Asset allocation is the cornerstone of our investment process. We believe that diversification of assets (including both passive investments and actively managed accounts) is essential to the creation of an investment portfolio and is able to help reduce overall risk.
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The above RFA Diversified Portfolio is a hypothetic example only:
the investments, assets, and percentages are subject to change.
… on Investment Selection
We select specific investments for your portfolio based upon a careful review of the money managers who direct those investment vehicles. We apply due diligence to determine appropriate money managers for your portfolio, reviewing investment approach, management style, performance, risk, expense ratios, and more.
… on Portfolio Reallocation
Ongoing monitoring, review, and evaluation are essential to the success of your investment portfolio. We will perform portfolio reallocations as necessary in response to economic shifts, specific investment performance, and your changing needs and goals. These adjustments keep your investment portfolio in alignment with your overall plan.