As a portfolio manager with more than a decade of experience, Mr. HarNess has developed an investment philosophy based on fundamental investment principles. These are the standards by which he reviews the quality, value, price and potential of different asset classes; diversified by various industry and economic sectors. Each client has a unique set of goals and objectives which may call for a portfolio of individual stocks and bonds, ETF’s, mutual funds or a combination of each. All investments must be considered for their potential of risk and return then weighed against the client’s personal risk tolerance and time horizon.