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.
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.
Information is processed and reflected in stock and bond prices too quickly for any timing strategy to consistently justify its cost.. We take time to understand your objective relative to your financial goals and then build a model that best meets your needs.
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.
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.