The Principles That Guide Us®


Clients’ Interests

We believe that our clients’ best interests are the only interests that should be served.

Needs and Goals

We believe that what one invests for is just as important as what one invests in; and that investment portfolios should reflect the client’s needs, goals and timetables and no one else’s.


We believe that investment recommendations should be objective, free of any conflict and never influenced by any other incentives; and that costs and fees should be readily transparent and always as low as possible.


We believe that investment success comes from taking a long-term, deliberative approach, that protecting against risk is paramount; and that investment portfolios should be balanced, diversified and well-managed and not driven by short-term results.


We believe that our service to clients should be the standard upon which all others are measured, and that all clients should receive the highest level of professional service.


We believe that the trust our clients place in us is the single most important element of our professional responsibility, and we will always accept that with the highest level of industry standards and personal integrity.

©2010 David G. Speck.