Dave began his financial career at a bank in 1983. It was a transformative time when banks were trying to get into the brokerage business and brokers were trying to get into the banking business. So began David’s initiation into the world of investments.

In those early days, his investment process was the same as other financial advisors who subscribed to Modern Portfolio Theory (MPT) and the Efficient Market Hypothesis (EMH) that preached diversification, enduring efficient markets and static correlation between asset classes.

It wasn’t until years later, in 2009, that David discovered a totally different approach as a result of a Nasdaq Dorsey Wright & Associates’ quilt chart that tracked the investment performance of different asset classes across several years. The answer to his quest for a disciplined process, leading to quality performance and risk management, was right in front of him.

Associated with it was a tactical portfolio model that showed attractive investment performance and the ability to navigate poor market periods. Unlike Modern Portfolio Theory (MPT), it adapted to changing market conditions instead of keeping investors locked into investment decisions based on the theory’s forecasting models or an investment strategist’s asset allocation model.

It really made an impression on David, so he studied it in depth and soon began implementing it in his practice.. The results this model was designed to help achieve have made David confident in his decision to implement it into his practice. Refined over the years, it is a process and philosophy he continues to use today.