In our quest to achieve strong long-term returns on investment, we focus first on controlling risk, then on maximizing returns given that level of risk. We seek predictable growth while protecting principal. Our aim is not to beat the market, but to be in the market in a way that will protect clients' buying power and lifelong financial security. We adhere to our "Active Management Process (TM)", which means we are looking at your investment daily.

Our strategy-centered approach uses four distinct mutual fund portfolio models. Each RLC mutual fund portfolio model is defined by the level of risk that it is exposed to in the market. We then design the model to achieve high returns within that risk level. This balance between risk and return is the benchmark against which we measure performance.

When evaluating mutual funds for a portfolio model, RLC considers not only each fund's past performance, operating expenses, and the market outlook, but also the stated philosophy and demonstrated abilities of the fund managers. As a result, some of the world's most accomplished stock and bond managers and their staffs of financial analysts, researchers and economists are working for our clients.

A Way to Build and Protect Your Wealth

To maximize long term investment growth, it is essential to preserve capital during times of market turbulence. RLC's active management works to both build client money through appropriate investment choices and protect those gains when the market weakens.

The RLC Market Safety Net is a key tool for identifying when to become more defensive in our mutual fund portfolio models. The Market Safety Net tracks a variety of indicators, such as the Mirat signal, 50-day moving averages, and the relative strength index, to identify when it is appropriate to reduce or increase each portfolio's exposure to the market.