We have provided financial advisory services for over 20 years. We currently manage over $300 million for more than 375 clients. Our business has grown through the appreciation of our accounts and the referrals from our clients.

Our core investment strategy is to identify broad asset classes that we believe will outperform market averages for months (and sometimes years) and then to select the best-performing no-load mutual funds within those asset classes. We concentrate our investments in these mutual funds. We avoid “formulaic” asset balancing because that strategy tends to return only market averages. We have developed our own sophisticated software that allows us to make trading decisions for all our accounts based on the “attributes” of the particular positions within each account, such as a position’s percentage of the account, its length of time held, and the taxable/non-taxable status of the account. While we primarily buy mutual funds, we sometimes buy individual stocks and exchange-traded funds.

Our billing method (for those investors meeting a minimum net worth requirement) is 10% of the profits in the account (adjusted for any deposits or withdrawals that the client makes) since the last time we billed. We look at the account value at the end of each calendar quarter; if the account value is lower than it was at the last bill, then the account has to rise above its previously billed value (adjusted for deposits or withdrawals) before we bill again, and then we bill only on the increase since the last bill. We receive no other fees from the client (or from any other source), including no transaction fees nor a percentage of assets under management. The more we grow your account, the more we earn.

Account performance varies from account to account, depending on such factors as when moneys were deposited or withdrawn, and whether the account is a taxable account or a non-taxable retirement account. For example, in non-taxable retirement accounts we do not have tax considerations such as short-term vs. long-term gains and the tax efficiency of the transaction.

The better performing mutual funds within the broad asset classes we select usually have short-term redemption fees to discourage frequent trading (which increases fund overhead and distracts the fund management from focusing on growing the fund for its shareholders). As part of our core strategy, we plan to hold the mutual funds we buy for you for at least these minimum periods, unless changing market conditions indicate the need to sell. It is important for you to know that any short-term redemption fees that might occur (and we generally try to avoid them) are NOT paid to us. In rare cases, there may be a mutual fund that will charge a minor transaction fee; most of the funds we trade have absolutely no transaction fees once the minimum holding period has been met.

We help open accounts for you at Fidelity Investments, which acts as the custodian of your assets and provides you monthly statements and all year-end tax reporting detail. You authorize us to trade within your accounts, but we never have custody of your assets, nor are your assets co-mingled with any other investor’s assets. We are free to choose from thousands of mutual funds, and we have absolutely no requirements to purchase any “branded” Fidelity mutual funds. There are no fees for opening or maintaining accounts.

Our principal, John Parker, makes all investment decisions. John is assisted by a research staff of three (3) full-time employees, trained on an ongoing-basis by John in his methodologies. The administrative side of our business has an additional four (4) full-time employees to assist you with all client service matters.

We encourage our clients to invest with a “long-term” view of at least several years, avoiding the urge to get out of the market when it is down and then get back in when it is up. Throughout the market’s history, there have always been crises in the world, and we encourage you to let us navigate your accounts for you through the inevitable ups and downs. As your financial advisor, we will do our best to grow your accounts, but please realize that there are inherent risks in all investing, and it is possible that your account may incur substantial losses from time to time.

For more information please contact us at the phone number or email address listed at the top of this page. Thank you for considering our services.