At ACIC, we believe investors and their investments should be aligned. An investor who thinks the only way to financial success is through hot tips or chasing the next big thing is probably not an ACIC investor. Our clients tend to be long-term investors who value stability and the consistent annual returns that ACIC has provided for over the last 15 years. In fact, ACIC’s guiding philosophy is based on a proven lending strategy: strict guidelines and a diversified portfolio — a philosophy that many of our investors live by. Many of our investors have worked hard to maintain a debt-free existence their entire lives. When the stock market and economy are in turmoil, ACIC investors can rest assured they’ve invested in a company that embodies the same philosophy they do. ACIC does not use leverage.