Our Investment Philosophy

At Meras Financial, we use a “best of breed” approach: After much research and investigation, we establish relationships with investment managers who demonstrate dedication and excellence, and are in our opinion are the “best of their breed.”

We believe that diversification as a sole risk reduction tool, is not enough. Because LOSS MATTERS! It matters financially and emotionally. Loss is not just about percentage losses, it is also about the loss of time and the ability to recover that time. By implementing “The Accumulate and Protect Overlay Strategy” we utilize diversification as an overall risk reduction tool and protection as a loss-minimizing tool.

“Accumulate and Protect”, as we call it, is a process we believe keeps us true to your goals, objectives, and risk tolerance. It is constructed from measurements of market internals and is intended to reveal the relationship of supply and demand at longer-term timeframes of months to years. Under this disciplined program we track 7 different inputs in total, 5 of which are supply and demand ratios and 2 are pure price inputs. These ratios are then weighted and combined into a single, statistically smoothed final indicator. This indicator will then signal whether it is in Accumulation mode or Protection mode. When the Accumulation mode pierces the Protection mode Threshold we reallocate 50% of your investment with us into a defensive or “Protected” mode. When the market momentum recovers, we re-allocate back to your “Accumulation” portfolio. Our philosophy is to create customized investment portfolios, monitor them carefully, and provide pro-active management. Our investment methodology includes:

  • Diversification. Your investment dollars are allocated among various investment asset classes. This combination of asset classes results in a portfolio to match an investor’s financial profile in terms of their investment preferences and tolerance for risk. Then we rebalance your portfolio regularly to maintain the proper allocation.
  • Active Management. We take action based on market trends. We are participants in the market, managing your assets with a view toward taking advantage of clear opportunities.
  • Risk Management. Every action we take is guided by your risk profile established in the Riskalyze process. We then monitor and apply the “Accumulate and Protect” strategy.


Certain risks exist with any type of investment and should be considered carefully before making any investment decisions. Keep in mind that current and historical facts may not be indicative of future results. Neither diversification nor asset allocation guarantee against loss. They are methods used to manage risk.