Recommend portfolios that provide diversification.

When it comes to investing, studies have shown that more than 90% of the return comes from choosing the right asset class, not from choosing the correct stock or bond.

Where many talk of asset allocation in terms of stocks, bonds and cash, we use 13 allocation categories. We do so to find vehicles whose movements do not correlate. This approach is intended to provide added downside protection while permitting growth of the portfolio.