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Investment Philosophy

We Listen to Our Clients

We adhere to the fiduciary standard. We listen to our clients and put their interests first.

Our goal is to help our clients achieve their financial and non-financial goals through comprehensive financial planning and a disciplined investment process. We do this by first understanding their unique situation, goals, risk tolerance, and preferences.

Tune Out the Noise

The media bombards the public with conflicting and confusing information on a daily basis.

These conflicting messages can trigger human behavior to make decisions based on emotion rather than reason.

The primary incentive of the media is to increase the viewership, corporate revenue, and shareholder equity of their companies.

Information and advice delivered through the media is often not in your best interest.

Our philosophy regarding most advice found in the media is to “tune out the noise.”

Academic Approach to Investing

Our investment philosophy is based on academic research which indicates that asset allocation is responsible for the major portion of a portfolio’s return.

Research shows that a broadly diversified portfolio with a range of asset classes will improve a portfolio’s risk-return profile, and a diversified mix of non-correlated assets will further optimize a portfolio’s risk-return profile.

Academic Approach to Investing

Research also shows that few actively managed funds consistently beat their benchmarks over time. We don’t pick hot stocks, we don’t try to time the market, we don’t make frequent trades.

Our Investment Philosophy

The following are fundamental principles of our investment philosophy:

  • Understand that markets are reasonably efficient over the long term and unpredictably inefficient over the short term
  • Create custom portfolios based on our clients’ financial situation, goals, risk tolerance, and other preferences
  • Invest in diversified asset classes that respond differently to similar economic conditions
  • Invest in broadly diversified assets within the various asset classes
  • Use an asset class investment approach utilized by many institutional investors
  • Keep costs low with low expense, low turnover, tax efficient select index funds and exchange traded funds (ETFs)
  • Control risk by only taking on as much as is needed
  • Set reasonable return expectations
  • Minimize emotional decision making
  • Review and rebalance portfolios on a regular basis or when necessary
  • Review the financial situation, goals, risk tolerance, and other preferences of our clients on a regular basis or more frequently as client changes occur

Diversification and asset allocation do not guarantee a profit nor protect against loss in a declining market. They are methods used to help manage risk. All investing involves risk.

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