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The FSI Investment Philosophy

The foundation of FSI’s investment philosophy is a combination of 4 concepts:  protection, diversification, priorities, and strategies, which together can form the basis of sound investment decisions.


“Avoid big losses” is the first rule of investing. Protection from market downturns is more effective than trying to recover from a major market crash.


Diversification among asset classes should be expanded to includ real estate, managed futures, commodities, precious metals, currencies, and other non-traditional asset classes.


Priorities in retirement must be properly established and funded. Core retirement income is the most important priority and should be funded first.


Strategies for today’s economy must be able to adjust to current market conditions. The buy-and-hold strategy doesn’t work as well as it used to.