Investment philosophy

Our investment philosophy is based on prudent investment principles, the goal of which is to achieve consistent, above-average returns. We believe that the keys to achieving long-term investment objectives are

We also believe that this strategy makes periods of market volatility more tolerable.

We are long-term investors, preferring to hold quality securities for three to five years or longer. This approach helps maximize after-tax returns by deferring tax on capital gains and by providing greater compounding of investment returns.

We avoid market timing. Instead, we choose to emphasize the more reliable investment tactics of