Investment Philosophy

Columbia Financial's Investment Philosophy Our fundamental philosophy is to invest for long-term growth. Although we explore and take advantage of prudent, short-term opportunities that present themselves from time to time, we do not advocate "quick kills" or following the crowd to spurious investments that may be in vogue but do not offer sustained financial growth or stability. We believe that a patient, practical, long-range view of investing consistently yields the best financial results.

Within that philosophy, we also recognize that each investor will have unique financial objectives, risk tolerance levels, time constraints, estate planning desires, retirement and income goals. Accordingly, we begin each relationship by taking the time to personally discuss each client's specific situation and how our investment philosophy should be tailored to help each investor accomplish their goals.

Our approach to each investment relationship includes:

· Quantifying a client's resources and identifying their goals

· Developing an investment strategy tailored to the needs and comfort level of each investor

· Implementing and managing client investment strategies

We believe that a serious investor's best interests are served by a diversified portfolio that is designed to grow and protect equity through long term appreciation, with about average, risk adjusted, current returns. Depending upon a client's risk profile and targeted return, their portfolio may include equity securities, mutual fund shares, corporate debt instruments, municipal securities, government securities, options and cash equivalents. We also advocate an integrated financial strategy that recognized each client's individual financial, tax and investment situation. Drawing upon our many years of experience providing tax, accounting and investment services, we can develop innovative strategies that will maximize each client's after tax income and total wealth.