Our portfolios are invested in a wide range of investment and asset classes. However, to reduce the managed funds' management expense ratios (MER) we hold specific stocks directly in your portfolio along with other financial instruments. Through this method our research team has a reputation of effectively reducing portfolio MER costs by up to 50%.

Other firms in our industry, who can only advise on managed funds, may be driven primarily by performance history or adviser commission fees. We have found that historical performance is not a good predictor of future performance. Therefore we request that our research focus on often-overlooked qualitative factors in addition to quantitative screens. We believe that research and information is a vital part of our continuing business success. We spend a considerable portion of our income on research, education and conference attendance.

All our investment strategies begin with a "balanced asset allocation." This benchmark reflects a sensible constant allocation for a theoretical investor who is not actively managing assets. Asset classes included in the "balanced" allocation for our basic portfolio strategies include: