In the investment management arena, our main focus is on the asset allocation of our client portfolios. Studies have shown that asset allocation is a major factor in investment returns. And we’ve found it to be critical to investment success. We evaluate the direction of the economy, interest rates, corporate earnings, the dollar and several other factors. We then input these data points into our proprietary forecasting software. From there, we examine how the variables may impact the pricing of different asset classes and then design our customized asset allocation recommendations. Within each asset class, we seek out the best securities and/or best managers. We take an active approach to investment management and adjust portfolios as the markets or economic indicators change.  We’ve used our asset allocation approach since 1987 and it continues to work well for our clients today. The strategy is derived from Modern Portfolio Theory and Harry Markowitz’s Nobel Prize winning work.