• Money fuels our material existence
• Even when our spirits are full, we need money for the bills
• Investing for the future is complicated
• Evolving careers, life events and priorities cloud the future
• Complex investment vehicles can be hard to understand
• How we approach investing today impacts our tomorrows

Solid Strategy + Professional Execution = Brighter Future

• Single Investment Perspective
• Invested Alongside Clients
• Speak Directly with Experts
• Secure Accounts
• No Hidden Fees
• Made for the Modern World
• Time-Tested Values
• A Strategy Tailored For You

Nobody is an Expert at Everything

• We mine our obsession for dividend stocks that reduce our risk

Our Analytic Perspective

• While no one can guarantee future results, proper value investing has worked for decades
• We search for value others miss
• Diversifying with balance for more stable returns

Great investors like Charlie Munger, Ray Dalio and Michael Tennenbaum:

• Screen with a single set of values
• Rely on disciplined analysis
• Invest in businesses they understand

We agree:

• Mark Tennenbaum is our Chief Investment Officer
• Mark and Michael have been discussing investment analysis for five decades
• Mark focuses on risk containment for the returns we expect

Value Investing for Reduced Risk

We Own About the Same Securities as Our Clients

• We’ve been investing this way for decades
• When we all hold similar investments, our interests are better aligned

Our Diverse Experience Brings Value

• From Wall St. to Main St.
• Experience in most industries in which we invest
• Deeper understanding of industry-specific issues
• We break it down from finance speak to plain speak.

We Sail Together

No Management Layers

• Schedule up to 30 minutes a month with any expert on your account
• Our experts want to know your goals/needs
• Investing alongside our experts keeps everyone better aligned

Education at Your Speed

• Podcast library with basic and advanced topics
• Weekly notes to all clients
• Regular investment security ratings
• Trade Alerts whenever we trade for ourselves and/or clients

More Meaningful Interactions

Security Matters

• Our capital demands quality protection
• We bring 20+ years of cyber-security experience
• Two account set-up eliminates many types of fraud
• You have one account with us and one account with our custodian (Charles Schwab)
• Ensures you know exactly what you own anytime on any day – strict accountability
• We leverage best of breed security
• 2-factor authentication (“2FA”)
• High security storage vault for sensitive documents

Privacy & Protection

We only charge a monthly management fee

• No brokerage fees
• No custodial fees
• No wrap-fees
• No sales commissions
• If we get it for free, you get it for free

We charge only for the value we provide

• All our investment advisory agreements are monthly – we earn our clients every day
• Keeps us better focused
• Our management fee reflects our better results

Quality & Transparency

Secure digital ecosystem

• We’ve operated digitally for many years across our businesses
• From Docusign to Zoom, do it all at your convenience

Employing the latest proven tools

• Whether emerging technology or investment theory, we evaluate it all
• Disciplined analysis before buying innovation
• Avoiding the riskiest investments (NFTs, Cryptos, SPACs, etc.)

Employing the latest proven tools

Value investing demands deeper knowledge

• We buy only companies with sustainable business models who profit-share with us through dividends
• Beyond stock price movements – we look for established businesses
• One company at a time – we do not buy entire sectors
• Management counts – we invest in talented, experienced teams

Analysis deeper than data

• We start with a view on the overall economy; then
• Evaluate various industries for future performance; before
• Screening for companies who meet our requirements: Quality management
• Meaningful profit-sharing
• Sustainable futures

Employing the latest proven tools

Your needs and goals factored into our portfolio design

Drawn from the same securities we own in our personal accounts

Selected from from the more than 500 securities we follow

Proprietary Research

• Over four decades analyzing individual companies
• Fundamental value investing principles
• Regularly publish updates to our clients

Better Advisor/Client Alignment

• We start with a view on the overall economy; then
• Evaluate various industries for future performance; before
• Screening for companies who meet our requirements: Quality management
• Meaningful profit-sharing
• Sustainable futures

Employing the latest proven tools

• Single Investment Perspective
• Invested Alongside Clients
• Speak Directly with Experts
• Secure Accounts
• No Hidden Fees
• Made for the Modern World
• Time-Tested Values
• A Strategy Tailored For You