However, as a Registered Investment Advisor licensed in Massachusetts he has given investment advice since 1997. CARE's objective is to manage client assets using the value style of investing and to allocate assets among asset classes and industries in a manner that has the potential to maximize returns for a given level of risk over a long period of time. These portfolios are invested in mutual funds and individual companies. The firm allocates capital among various asset classes and industries in accordance with the firm's investment style.
Emphasis is placed on value investing principles, risk reduction, and tax efficiency.
CARE also assists clients in identifying their financial goals and priorities, and in establishing investment policies that have the potential to achieve their goals. The firm helps clients adopt realistic market return assumptions based on current and historical market and economic conditions. The firm provides a frame of reference whereby the client can correctly perceive risk and potential for losses within the context of his or her situation. The firm's role is also to educate clients about the advantage of holding investments for a long enough term to compensate for the volatility of the capital markets, to reduce transaction costs, and to maximize tax efficiency. CARE is also engaged in the rendering of tax and financial planning services related to income, retirement, college planning and estates.