Our Investment Philosophy:

Equity Accounts: We seek to enhance the long-term purchasing power of both principal and income by employing an all-cap, value-oriented management style.  Additionally, we strive to generate positive performance to maximize the compounding of capital over time.  Dividend return is considered an important component of total return, while special situations are also pursued to capture unique growth opportunities.

Fixed Income Accounts - Cash Management Services and Fixed Income Bond Portfolios are managed on a total rate-of-return basis.

Equity and fixed income accounts are individually constructed and invested to meet the specific objectives of each client.  When constructing a portfolio, consideration is given to such matters as long and short term investment objectives, risk tolerance, cash flow needs and Federal and state tax issues.