We will often use an exchange traded fund to capture the dynamics of small capitalization or international indexes.  Additionally, if circumstances are such that we become concerned about the near term performance of the market, we can liquidate the indexed portfolios in order to create a less risky portfolio.  We use a combination of valuation ranges and market sentiment measures to determine our entry and exit points.

Our fixed-income portfolio style is one that manages interest rate risk or opportunity by managing the duration of the bond portfolio.  We manage performance oriented bond portfolios and income oriented laddered portfolios that are suitable for retirement accounts.