It is the firm’s belief that stocks provide a significant advantage over bond and money market instruments for investors with a long-term investing horizon.  Historically, returns generated by the stock market have exceeded 10% annually, while bonds have averaged less than 6% annually and money markets averaged less than 4% annually.   Based on this historical data, our firm's philosophy is to invest primarily in stocks.

Our firm believes strongly that when selecting stocks to purchase for a portfolio, the decision whether to purchase or not is a business decision.  We take a fundamental approach to investing, using standard measuring statistics and ratios employed in analyzing businesses.  We fully utilize our investment manager's 25 years experience in preparing and analyzing financial statements to help us identify securities we feel represent a “good value” for us to invest in.

The lower left hand graph displays the average annual historical return of stocks, bonds, and money markets.  The lower right hand graph displays the compounded values of a $10,000 investment using the average annual returns for each investment type over a 20 year period.