– Sanford I. Weill


At Meristem, our investment management approach considers all aspects of your financial life around wealth preservation and growth to meet your short and long-term goals. 

Our approach is implemented in a personalized and disciplined manner. Financial success is achieved with a focused and consistent approach rather than trying to ‘beat the market’.

There are three key principles we use to create and maintain your portfolio.  

  1. Goals-Based: Assess your current lifestyle along with your short and long-term goals to create a saving and spending plan. 
  2. Risk-Focused: Based on your goals and time horizons, work with you to assess your comfort with risk and ability to achieve your goals based on your personal risk tolerance. 
  3. Systematic and Disciplined Process: We require regular meetings with you to discuss how our strategy is tracking to your evolving goals and consistent rebalancing to align risk and tax strategies. 

We determine how much of your money needs to grow over periods of time to keep your lifestyle going – even through a two, three, four-year bear market. We want to ensure you never panic and sell at the bottom or get overly enthusiastic as the markets go through their natural cycle of ups and downs – as they have for more than 100 years. In short, we invest in the market we’re in today, not the market we wish we were in. 

Ultimately, we believe the right investment management plan has the appropriate level of risk based on your goals and time horizon. No two clients are the same. Our plan and process is built to ensure that you receive a highly-personalized, detail-driven, holistic plan that has been created to build a future of comfort, security and success.

“We don’t have to be smarter than the rest.
We have to be more disciplined than the rest.”
– Warren Buffet

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