Actively managed, individual stock strategies using fundamental analysis.

Managed Equity
Growth Strategy

Approximately 30 Stocks, selected  for long-term growth potential and strategic diversification.

Managed Equity
Dividend Strategy

Approximately 30 individual stocks selected for sustainable dividend income and diversified across multiple industry sectors.


With an overall objective of capital preservation, actively managed fixed income portfolios are structured to emphasize income, liquidity, or an aggregate of the two.

Individual Bond Strategies:
Corporate or Municipal Focus

10-20 Bonds

Strategically diversified for one of three priorities: liquidity, income, or an aggregate of the two, with a focus on investment grade securities.

Bond ETF Strategies:
Aggregate or Income Focus

4-6 ETFs

Actively managed portfolios constructed of ETFs to achieve specific parameters for duration, credit quality, and yield curve optimization.

Tactical Strategies

Broad diversification across 10 global risk markets with a systematic rebalancing discipline that over-weights relative strength and under-weights relative weakness. Allocation targets are refreshed quarterly.

Tactical Global Growth

10 Global Sector ETFs

  • Large Cap Growth & Value
  • Domestic Mid & Small Cap
  • International Large & Small Cap
  • Emerging Markets
  • Natural Resources
  • Real Estate
  • High Yield Bonds
Dynamically adjusts to market conditions based on moving average signals for five risk markets. Equity exposure ranges from 10% to 100% with a fixed income out-position. Allocation targets are refreshed weekly.

Tactical Dynamic Allocation

5 Risk market ETFs

  • Domestic Equity
  • International Equity
  • Emerging Markets
  • Natural Resources
  • Real Estate
  • Fixed Income (out-position)
Systematic adjustments to tilt the portfolio toward characteristics of value, momentum and low market capitalization occur within the five ETFs that comprise the portfolio model.

International Focus Strategy

5 ETFs

  • International Value
  • International Momentum
  • International Small Cap
  • Emerging Markets Value
  • Emerging Markets Momentum