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Our Investment Philosophy Our investment approach is to identify quality businesses with the best potential for consistent growth. We look for companies with an enduring competitive advantage that are growing at a reasonable price in an industry that we understand. We are not short-term market timers, but instead are long-term investors who make our buying and selling decisions on changes affecting a company's business model and the risk-reward ratio for a particular investment. Returns are enhanced through low turnover resulting in high tax efficiency for taxable accounts. NOTE: Martin Capital is in the business of investing its clients' funds in equities and other securities for maximum long-term gain. Investors are warned that investing in securities involves risk of loss if the securities that have been bought decline in value, and that funds invested in securities are not guaranteed against such loss by the FDIC, the SEC or any other governmental or non-governmental organization. Past Performance does not guarantee future results.