Built around a core of established companies
The heart of most portfolios is a group of large, established U.S. companies, the kind found in the S&P 500. Around that core, we add other companies we've researched and believe have good long-term prospects.
We use exchange-traded funds (ETFs) where one company can't give enough coverage. International and small-company stocks are good examples. Bonds, CDs, and similar holdings add stability where your plan calls for it.
Long-term and low-turnover
We aren't traders. We buy companies we're comfortable holding for years, and we don't buy and sell just to look busy. Lower turnover also tends to mean fewer trading costs and, in taxable accounts, fewer taxable gains.
Matched to your goals
Before we invest anything, we sit down and talk about what you need your money to do. Together we decide whether your account should lean toward growth, income, or a balance of both. We write that down in an Investment Policy Statement, and you can change it whenever your life changes.
Watched every quarter
We review every account at least once a quarter, and sooner when markets move or your situation changes. Each quarter you get a written update from Scott with your statement, your account summary, and his plain-English view of the economy and markets.
Your money stays in your name
Your accounts are held at Charles Schwab, an independent custodian, not at C&D. We manage the investments, but you always own and control your accounts and can see them online any time.
Retirement accounts that have to stay where they are, such as a 401(k) or 403(b) at work, are managed right where they're held, using the investment choices that plan offers.
Investing involves risk, including possible loss of principal. Individual stocks can be more volatile than diversified funds. No investment strategy can guarantee a profit or protect against loss. Past performance is not indicative of future results. See our Form ADV for a full description of our strategies and their risks.