OAI Capital is precision-driven, something our industry is generally not. Common still is the use of four investment models by advisors from income and stability to aggressive growth. Build a portfolio of stocks, bonds, ETFs, mutual funds, and all boats rise. We believe this has worked in the past because all asset classes were on the rise and portfolio values increased. Those days are behind us, as money has become more expensive, and inflation is real. Attention and intelligence are required in today’s world. Focus on risk tolerance and true objectives will propel portfolio process and performance as market volatility increases and returns are tougher to come by.