Investment Management:  Philosophy 

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation of success.  As a fiduciary we are bound to the highest ethical standards of care.  Complete transparency in our recommendations and compensation make that easily apparent.

Approach

Approach

The marketing machine of Wall Street, the next hot stock, the talking heads of television - none of them add value, just confusion and cost.

Instead, we embrace decades of peer-reviewed, unbiased academic research – what we call the Evidence-Based Investment Approach – to make informed decisions about what’s likely to work best.

Market Efficiency

Market Efficiency

Academic research overwhelmingly demonstrates that “active management” doesn’t work. Information is processed and reflected in stock and bond prices too quickly for any timing strategy to consistently justify its cost. 

That said, no one approach is best for all situations.  We take time to understand your objective and build a model that best meets your needs.

Costs Matter

Costs Matter

Lower costs are directly correlated with higher returns. We bear that in mind with every investment decision we make.  Costs come in many forms: direct expenses, hidden expenses, taxes, and opportunity costs.  Our approach minimizes each one.

Risk vs Reward 

Risk vs Reward 

They are inextricably related. But not all risks are equal. Academia has identified what risks are likely to help your portfolio grow, and which are likely to hurt you.  We believe that diversification works.  The idea is simple:  a properly diversified portfolio is likely to earn the same return for less risk than one that is not diversified. 

What We Don't Do

Market timing, price forecasting – are all forms of speculating, not investing. Six decades of Nobel Prize winning research demonstrate that speculation is a losing strategy. Our clients are investors, focused on their goals, guided by a plan, with an approach rooted in academia and science.