1. Preserve What You Have

• Produce a long-term return that is above inflation and taxes
• Realize Markets often decline much faster than they rise

2. Grow Your Portfolio As Much as We Can

• Consistent growth is the key
• Losing money has a bigger emotional impact than making money

3. Provide a stabilized income during retirement

4. Rule number one is always more important than rule number two

• The investment climate has changed – relying on traditional asset allocation is insufficient.
• Low correlation alternative strategies that can enhance return and reduce overall risk are critical to capital preservation and growth.
• Investing aggressively and/or beyond your risk tolerance is not necessary to produce solid long-term returns.
• Employing a flexible and adaptive approach with the comfort of daily liquidity, transparency, diversification and tax-sensitivity are key ingredients.