Proven, Professional Money Management
Since its inception in 1979, Budros, Ruhlin & Roe has helped clients achieve financial security and success by relying on an investment management philosophy that creates risk-adjusted, wealth-building portfolios. At the heart of this philosophy are the principles of asset allocation and global diversification. By providing exposure to a diverse portfolio of stocks, bonds,cash and other non-correlated asset classes, we can optimize the risk/reward trade-off for our clients while meeting their individual goals for growth and wealth accumulation.

Investment Management Core Competencies
As a fee-only advisory firm, you can rely on our strategies and advice to be comprehensive, smart and enduring, and always in your best interests. Our core competencies include:

• Creation of customized Investment Policy Statement
  
  
• Coordination of your existing holdings and unique benefit plans with our strategies
  
  
• Development of portfolio allocations to achieve your risk-management and long-term performance goals
  
  
• Implementation using both active and passive strategies, many of
  which are via exclusive arrangements and therefore not available to most
  investors
  
  
• Money manager selection for active alpha strategies
  
  
• Individual equity management for select large U.S. equities
  
  
• Alternative investment strategies
  
  
• Ongoing, active cash management for consumption portfolios
  
  
• Active tax management of portfolios to maximize after-tax returns
  
  

Investment Process
With more than $1 billion in assets under management today, our disciplined investment philosophies have helped individuals like you build and maintain their wealth to achieve their personal financial objectives.

We will provide you with a proven globally diversified portfolio management strategy, at a low cost and without conflicts of interest, using a proven process that includes:

• Mutually determining the investment and spending policies for each portfolio, considering the time horizon of the money and your real tolerance for owning stocks
  
  
• Mutually agreeing upon an appropriate asset allocation policy for
  each portfolio
  
  
• Providing exposure across all equity asset classes, including U.S.
  large-cap and small-cap and foreign stocks
  
  
• Including individual stocks, as well as mutual funds and separately managed accounts
  
  
• Selecting low-cost stock and bond mutual funds
  
  
• Providing quarterly reports of investment performance and asset
  allocation, and annual reports of tax-relevant information
  
  

Alternative Portfolio Choices
Budros, Ruhlin & Roe will create a customized portfolio designed to meet your specific financial goals. We are able to work with unique existing positions as we structure your globally diversified strategy. Here are some examples of what your portfolio could look like after implementing our strategies:

For an aggressive, high-growth oriented investor:

Objective:
An Aggressive Growth Portfolio seeks long-term capital appreciation without regard for production of current income. This portfolio will remain fully or near fully invested in equity holdings diversified among small, medium and large domestic companies, foreign and emerging market companies, and may also include alternative investments such as commodities, hedge funds, real estate and other strong diversifiers.

Time Horizon:
This type of portfolio is intended for investors with a long time horizon and a willingness to accept widely fluctuating market values in return for greater potential for capital growth.

For a moderately aggressive investor who is interested in long-term growth but with some measure of conservatism to reduce portfolio volatility:

Objective:
A moderate growth portfolio seeks long-term capital appreciation; the production of current income is a secondary consideration. These portfolios hold a blend of stock and bond investments and may also include alternative investments such as commodities, hedge funds, real estate and other strong portfolio diversifiers.

Time Horizon:
This type of portfolio is intended for investors with an intermediate to long time horizon and a willingness to accept moderately high market volatility in return for additional potential for capital growth.

For a conservative income-oriented investor:

Objective:
Income portfolios seek current income as a primary objective and capital growth as a secondary consideration. These portfolios hold a blend of fixed income and stock investments as well as other strong diversifiers to counter the negative impact of inflation.

Time Horizon:
This portfolio is intended for investors with a short to intermediate term time horizon and a lower degree of tolerance for portfolio volatility.

Recommendations Based Solely on Your Needs and Goals
At Budros, Ruhlin & Roe, we understand that selecting an advisor to trust with your financial future is not a decision youre going to make lightly. While its important that you know what we do to help our clients achieve secure financial futures, it can be just as important for you to know what we do not do.

We DO NOT:

• Receive commissions; we are fee-only financial planners and
  investment managers
  
  
• Practice market timing
  
  
• Tout the next hot stock; we create investment strategies that work
  for you over the long term
  
  
• Create portfolios meant to beat the best single investment
  in any one year
  
  
• Guarantee returns
  
  
• Take risks beyond one's tolerance for speculation