Investment Management

Grounded in Wisdom & Discipline

Investment Philosophy

Successful investing comes from understanding investment goals, accepting that there are no shortcuts, and engaging in a long-term, disciplined process that is guided by empirically validated knowledge. This is our definition of “grounded wisdom” which is the core of our investment philosophy.

Emotional detachment and remaining focused on long-term goals are paramount to your overall success. We serve as a buffer in protecting your portfolio from emotionally based decisions and guide you through the reasoning behind our approach.

The purpose of investing is to create wealth.

Investment management is an integral component of the financial planning process. Just as a car’s engine should be operating at full potential, we look at each investment portfolio as the engine of the financial plan. We optimize portfolios, so they can lead to the plan’s goals and preferred outcomes on the smoothest path possible.

We believe the road to investment success lies in identifying the risks that bear compensation, determining how many of these risks one should take, and striving to minimize the risks and costs imposed by traditional approaches.

Our Guiding Principles

Investment Objective

One of our guiding principles is to have a clearly written investment plan we develop together that serves as a guide to meeting the client’s personal objectives. The plan will change only when circumstances warrant a change – not in reaction to short-term market movements.

Strategic Asset Allocation

The foundation of our philosophy is based on rigorous academic research and financial science, which illustrate a need for a properly diversified selection of uncorrelated asset classes.

Keen Awareness of Costs

We incorporate actively managed funds only where net returns are compelling, typically in inefficient and niche areas of the market. Otherwise we utilize low cost strategies that are more passive in nature; some with a slightly active overlay.

Asset Location Optimization

Certain asset classes are best held in taxable, tax-deferred, or tax-free accounts and can vary depending on each client’s unique tax situation. This dovetails with achieving tax efficiency.

Disciplined Rebalancing

This approach can seem counter-intuitive because it essentially requires that investors sell out of the asset classes that are outperforming and are over-weighted in order to replenish the asset classes that are underperforming. This is a classic buy low sell high strategy, but requires diligence free from emotion.

Tax Efficiency

The tax drag on a portfolio is hard to quantify but can be significant. We design strategies that help our clients achieve the maximum efficiency in this regard, so they can keep more of what they’ve earned.

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