Investment Advisory
Independent investment advisor offering fee-based portfolio management, risk analysis & algorithmic strategies. Serving Tri-Cities & beyond.
Unbiased advice, Total Transparency & Your Best Interest—Always.
Investing shouldn’t feel like a gamble—or a guessing game. At our firm in St. Charles, we provide independent, fee-based investment management built around your goals, risk comfort, and long-term plans. There’s no product pushing, no commissions, and no one-size-fits-all portfolios. Just a clear strategy and a process you can trust.
As a
Registered Investment Advisor, we’re held to the fiduciary standard. That means we’re legally—and ethically—required to act in your best interest at all times. We don’t get paid by funds, insurance companies, or third-party platforms. We’re paid by you, for the advice and management we provide.
How We Build Your Investment Strategy
Understand Your Risk & Goals
We start by talking about what you want your investments to do—grow long-term, generate income, preserve principal, or a mix. We also help you determine your risk tolerance using a simple, interactive profiling tool, so we can build a portfolio that fits both your comfort level and your objectives.
Create an Investment Policy Statement (IPS)
Together, we build a written plan that defines your portfolio’s purpose, strategy, risk parameters, and how we’ll make decisions. This is called an Investment Policy Statement, and it serves as the blueprint for how your money will be managed—so there are no surprises.
Select Investments Objectively
Using an open architecture platform, we’re not limited to a narrow list of funds or providers. We have access to thousands of investment options across asset classes, so we can build the right mix for your plan. That could include ETFs, mutual funds, fixed annuities, or other vehicles aligned with your IPS.
Our recommendations are 100% objective and tailored to your plan.
Active Management with a Tactical Edge
For clients who want a more active approach, we offer a strategy that incorporates a proprietary algorithm designed to manage market exposure. This system helps us identify buy/sell signals that aim to:
- Capture more of the market’s upward momentum
- Reduce exposure during major downturns
- Stay disciplined during volatile markets
It’s not timing the market—it’s responding to trends with a clear, rules-based process. You still own quality investments, but we adjust allocations as needed based on conditions. This approach helps clients stay invested with more confidence—especially in unpredictable markets.
Ongoing Monitoring & Communication
We don’t “set it and forget it.” Your portfolio is reviewed regularly and adjusted as needed based on your goals, the market, and any changes in your life. We:
- Rebalance when allocations drift
- Monitor performance relative to your goals
- Stay proactive with tax-loss harvesting & tactical shifts when appropriate
- Keep you informed every step of the way
You’ll always know where you stand—and why any changes are being made.
Our Fiduciary Approach
- Fee-based model with no commissions or product sales
- Personalized portfolios built around your needs & risk tolerance
- Access to a broad investment universe—not just one company’s funds
- Disciplined management process with the option for algorithmic strategy
Why Clients Choose Our Investment Management
You’ll always know what you’re paying and what you’re getting in return. That’s the kind of transparency clients deserve—and should expect.