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Investment Strategy

Investment Strategy

Institutional Approach

We believe that the approach to investing for individuals should use the techniques, tools, and knowledge employed by institutional investors whenever possible. This means including lower cost vehicles, passive as well as active strategies, and alternative asset classes to achieve truly effective diversification. This is in contrast to the traditional higher cost, limited menu approach of many retail firms.

Global Diversification

We believe that strategic asset allocation is the most important determinant of a portfolio's risk and return over time. We design globally diversified portfolios that cover the major asset classes of domestic and international equities, fixed income, alternative investments, and cash. We use a disciplined approach employing strategic and tactical elements in constructing and monitoring our allocations. In designing our portfolios we take into account trends such as the rise of alternative energy, the emerging middle class in developing countries and the transformation of world trade and globalization.

Independent Thinking

We believe that the most effective investment approach is through independent, objective thinking. We are an independent firm employed by our clients only. Our independence, coupled with our compensation structure, allows us to seek out best-in-class investments to meet your needs. We provide full transparency of costs and have no incentive to purchase investments because of fee sharing arrangements. Our structure allows us to focus on our client interests without bias or influence. 

Capital Preservation

We believe our job is to manage risk and build your wealth. We do this by identifying short and long-term risks, and designing strategic portfolios to prudently manage these risks in order to preserve your capital today and grow your assets in the future. We use our globally diversified approach because it emphasizes risk management.

Controlling the Impact of Expenses, Taxes and Inflation

We believe that the biggest enemies to your portfolio and wealth over time are the negative impacts of expenses, taxes, and inflation. We are committed to eliminating unnecessary investment costs and identifying tax saving strategies that can significantly improve the chances of the success of your long term financial plan. We integrate index funds into the design of our portfolios in order to take advantage of the low costs and tax efficiencies they can offer.

Investment Strategy
Investment Philosophy Diversification Portfolio Characteristics Portfolio Monitoring
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