We choose to be different from many other "wealth managers" or "financial advisors" who want to be in charge of every aspect of your financial life.  We focus on only two things:  managing investments and advising clients on investment-related issues.  We do these two things exceptionally well and work closely with your other advisors to create a cohesive overall strategy.

Key Principles:  Successful investing starts with a careful assessment of objectives and risk tolerance.  We then create a long-term strategy based on prudent asset allocation and intelligent investment selection.  With a plan in place, we apply discipline to stick with it, and patience to let returns compound over many years.

Needs & Risk Tolerance:  Many people have unrealistic return expectations and overestimate their stomach for stock market volatility.  Therefore, it is critical to identify major needs and rational objectives, balanced with a careful assessment of risk tolerance.  This sets the boundaries for your personal investment strategy.

Asset Allocation:  Investable assets are separated into those earmarked for near-term use (foreseeable expenditures and cash reserves) and those to be invested long-term. Funds for near-term use are set aside in liquid investments and may be managed by LRCM or through a client's banking relationship.  Long-term investments are managed by LRCM using its absolute return strategy.

Absolute Return Strategy:  History has shown that successful investing not about achieving big gains but, instead, avoiding catastrophic losses.  Developed from in-depth research and proprietary analysis, our absolute return strategy creates true diversification across a wide range of investable asset classes to produce consistently positive returns.  While not very sexy, this approach has been shown to produce superior long-term wealth creation with very low levels of investment risk.

Portfolio Management:  Even careful risk assessment, asset allocation and investment selection cannot guarantee success.  Therefore, we assess performance each quarter against client objectives and relevant market benchmarks, evaluate rebalancing to target allocations, and recommend changes if necessary.