Piggy banks, calculator, and financial ledger


Strategic asset allocation is the first step toward creating a portfolio designed to maximize your long-term return and minimize risk.

We’ll work closely with you to establish an appropriate equity ratio target, based on the following factors:

  • Overall Financial Situation
  • Goals and Objectives
  • Time Horizon
  • Liquidity and/or Income Requirements
  • Risk Tolerance
  • Potential Returns, Inflation, and Taxes


Tactical asset allocation allows us to adapt the portfolio to react to short-term market opportunities and/or risks.

Once your target equity ratio is set, tactical allocation is periodically applied within equity categories. Shifts between equity/bonds/cash are usually kept within +/- 10% of the target.

Ongoing Assessment

We carefully monitor your portfolio to ensure that your strategic asset allocation and target equity ratio continue to be appropriate for you and aligned with your objectives. Portfolio turnover tends to be low, and we employ responsible tax-efficient management during periods of significant rebalancing.