Our aim is to create diversified portfolios that earn favorable investment returns while reducing volatility and risk according to the parameters of each client's chosen investment model.

We work to achieve strong performance over multiple market cycles, relying on the application of a proven investment process that is consistently applied.

We adhere to an investment philosophy that values both vision and discipline and favors a buy and hold investment approach. We do not believe that long-term goals can be met by chasing short-term results. Instead, we focus on the larger picture while remaining mindful of the current environment.

Investment
A research-driven model

Our investment philosophy is built on time-tested academic research into the behavior of financial markets and investors — financial science. Client portfolios are carefully designed to build long-term value through broad diversification, efficient allocation and tax-efficient strategies. It’s a consistent, objective approach. We don’t play the guessing game.

Keep more of what you earn

Our research has led us to focus on the factors we can control, like fees and taxes. We receive no commissions or referral fees from the funds or managers we recommend, so our main concern is objectively and efficiently improving your financial wellbeing. With over a decade of CPA-based experience employing tax-loss harvesting and rebalancing strategies, we are experts at enhancing the bottom line.

Plan, don’t react

Following our unique financial discovery process, your advisory team will craft a personalized investment program that reflects your goals, values and risk comfort zone. Once your plan is in place, we continuously monitor your portfolio and investments to help keep you on track. Feel confident that you have an investment approach based on a solid foundation—and a partner on your financial path toward success.

Our Investment Philosophy

We build portfolios based on the science of capital markets using these academic investment principles:

Risk Management

Investors must take risk to generate returns. Deciding how much risk to take, which risks to take, and monitoring those risks is extremely important.

Broad Diversification

A plan that is strategically balanced among domestic and foreign stocks, bonds, cash, and other investments reduces the risk of drastic changes in the value of your investments while giving your portfolio ample opportunity for growth. Diversification can improve your odds of holding the best performers and frees you from the guessing game. 1

Tax Awareness

Taxes can take a big bite out of your investment returns. Effective asset location, tax-loss harvesting strategies and a low-turnover approach can help boost your bottom line and keep more of what you earn.

Cost Efficiency

Excessive fees can drag down investment growth over the long term. Studies have shown that funds with lower fees have been better predictors of higher long-term returns than funds with higher fees or a fund-rating system. 2

1 Diversification does not eliminate the risk of loss.
2 Russel Kinnel. "How Expense Ratios and Star Ratings Predict Success" — Aug. 2010.

18yrs

of experience in investment advisory area

280+

advisory client relationships

$300m

total client assets under our management