Our firm specializes in Investment Management, and Financial Planning. Client funds are custodied at Charles Schwab and Co., Inc. We are partnered with Litman/Gregory, a world class investment and research firm, for the benefit of our clients. Each of our model portfolios has in Investment Policy Statement that includes a "loss threshold". This is in place because, over our 30+ years in this business, we have found it is more difficult to recoup significant losses than to make money in healthy market conditions. So, we pay extraordinary attention to the preservation of client principle.