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  1. Tactical Portfolio Management
    An alternative approach to
    managing your money
  2. Smooth Landings​​​​​
    with Alternate Approaches
  3. What is your defensive plan for the next market downturn?

"Modern Portfolio Theory" and Asset Allocation Models date back to the 1950's while​Tactical Portfolio Management is an alternative approach to managing your money.

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Facing Your Risks is Critical

We think hard about your risks. We find that most people are surprised by the large financial risks they are facing. You need to face those risks.

Everyone has a unique tolerance and capacity for risk. Every place you put your money has a measurable amount of risk. Our goal is that these two puzzle pieces line up properly. We:

  1. Measure your risk tolerance with Nobel Prize-winning technology.
  2. Gauge your risk capacity with our proprietary tools.
  3. Evaluate your current risk levels.
  4. Reorganize your savings to align the risks. 

Rule #1: Don't lose money.​​​
Rule #2: Never forget rule #1.
- Warren Buffet 

Losing money from your savings is very bad for your finances. In part, the problem is just arithmetic. In order to get back the money you lost, you must earn much more! For example, to recover from the Real Estate Bubble bursting in 2008, when S&P 500 index lost 52%, it took over 100% gain just to get back to even. 

Suffering big losses in 2000 and again in 2008 had a long-term financial impact on many people. Money lost in 2000 didn't grow back until 2013. (For you "number crunchers" out there - if you include inflation's impact then it took even longer to fully grow back - not until 2015!)

Avoid Bad Advice

​​Bad advice is everywhere. Good advisors are hard to find. Your best protection is knowledge and awareness.

"To a man with only a hammer every problem looks like a nail."​​

​​​Be aware that some financial advisors may have limited tools and limited focus. ​For example, insurance-only advisors are not prepared nor legally allowed to give advice about securities like stocks and bonds. On the other hand, stock brokers may not be properly licensed nor understand insurance. Some advisors, like us, do both - without prejudice, using the right tools for the right job.​​​
Picture License: This picture provided from WikiMedia Commons under the terms of the GNU Free Documentation License, Version 1.2 or any later version published by the Free Software Foundation; with no Invariant Sections, no Front-Cover Texts, and no Back-Cover Texts.
The original uploader was Allentchang at English Wikipedia.

"Follow the Money"​​

Remember "Deep Throat" - the secret informer to Woodward and Bernstein at the Washington Post during the Watergate Scandal. Deep Throat said famously: "Follow the Money." Be aware of this while you seek good advice because many advisors' financial interests conflict directly with their clients - and these advisors have no obligation to tell you about the conflict! Some advisors, like us, are legally required to always act in our clients' "best interest" and to inform you about even a potential conflict.