All Grecu portfolios are customized for each client. We employ an "open architecture" platform, where managers are selected on a "best of breed" basis and where the main decision criteria are performance, cost structure, tax-efficiency and "fit" within the overall portfolio. We believe in diversification and long-term investment planning. We use disciplined asset allocation investment strategies based on Nobel Prize winning academic research and sophisticated optimization and allocation models in an attempt to create portfolios that consistently deliver the highest possible after-tax, after-fee returns for a given level of risk. Most of our clients are taxable investors, and, when appropriate, we actively employ tax-advantaged investments and tax management strategies.