There are several investment management programs in which we actively manage clients' assets. The management of these assets are based on the client's individual, financial, and personal needs, investment objectives, time horizon, and risk tolerance. We use a variety of investment vehicles such as stocks, bonds, annuities, etc. to manage risk while targeting your investment goals. Investment strategies and decisions are based upon the expected performance of various asset classes as opposed to individual client considerations. However, asset allocation and diversification do not guarantee against loss during a generally declining market.