Our Products

We are in the stay rich business not the get rich business.  Our product offerings maintain high credit quality with limited interest rate risk.  Credit, sector and state diversification guidelines provide additional risk controls.

Intermediate Product

Seeks to protect wealth and maximize total returns on an after-tax basis.

  • Utilizes actively managed, barbell structured portfolios to provide the potential for enhanced risk/return characteristics.
  • Invests primarily in highly rated tax-exempt general obligation bonds, essential service revenue bonds and higher education bonds.
  • Tax loss harvesting is a major focus during periods of rising interest rates.
  • Portfolios are well diversified with generally no more than 5% exposure to any one credit (for accounts larger than $2 million).
  • Modified durations are typically 4.10 years when we have a neutral bias on the market.

Short Term Product

Seeks to provide returns that have the potential to outperform money market investment vehicles while providing protection against principal volatility.

  • Focuses only on securities with excellent liquidity characteristics.
  • Invests primarily in highly rated tax-exempt general obligation bonds, essential service revenue bonds and higher education bonds.
  • Portfolios are well diversified with generally no more than 5% exposure to any one credit (for accounts larger than $2 million).
  • Modified durations are typically six months to one year.