Asset allocation, diversification, and values-based investing
Investment Strategies
How your money is divided among asset classes matters more than any single investment pick. We design portfolios around your goals, your timeline, and your values.
How Your Money Is Divided Matters Most
Asset allocation is the single biggest driver of long-term investment returns. Not stock picking, not market timing. How your portfolio is divided among stocks, bonds, and other asset classes determines the vast majority of your outcome. We build investment strategies that reflect where you are in life, what you need your money to do, and what you believe in.
The best investment strategy is the one you can stick with when markets get rough. We build for your goals and your temperament, not just the math.
Values-Based Investing, on the Table
For clients who want their money to reflect their principles, we offer ESG and socially responsible options. Environmental, Social, and Governance strategies screen investments based on environmental impact, labor practices, and corporate ethics. Performance data shows that values-based investing does not require sacrificing returns. Globally, more than $35 trillion is invested this way.
Why It Matters
Most portfolios drift over time. A portfolio that started 60 percent stocks and 40 percent bonds five years ago looks very different today, and probably carries more risk than the owner realizes. We rebalance as markets move, stress-test against historical scenarios, and keep your allocation tied to your real-world goals rather than what feels right in the moment.
The best investment strategy is the one you can stick with when markets get rough. We build for your goals and your temperament, not just the math.
A Clear Strategy Matters Most at These Moments
These are the situations where disciplined investing makes the biggest difference.
- Values-Driven Investors. ESG and socially responsible strategies let you invest in alignment with what matters to you.
- Concentrated Stock Holders. If most of your wealth is in one stock or sector, a structured diversification plan reduces your exposure.
- Career Changers After 50. A job change or early retirement triggers decisions about 401(k) rollovers, asset location, and new contribution strategies.
- First-Time Investors with Savings. Starting with a defined strategy avoids costly mistakes and builds discipline from day one.
Meet Your Advisors
Decades of Credentialed, Fiduciary Experience
The wealth and retirement work happens with the people below. Each one carries the licensing, registrations, and continuing education behind every recommendation we make.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Investment Strategies Questions
Answers to the questions Arizona families ask most about investment strategies.