Investment Approach

Central to any tailored financial plan is the investment portfolio.  At the heart of our investment philosophy is Modern Portfolio Theory which attempts to maximize the portfolio return for a given amount of risk.  We accomplish this by utilizing asset allocation to determine the efficient portfolio and then customize each client's portfolio given their own level of risk tolerance and risk capacity.  

We look at the academic research so we are not relying on subjective stock picking like many other financial planners.  This research has proven time and again that asset allocation is by far the primary determinant of total return.  As a result, we construct and manage broadly diversified portfolios using tax efficient and low-cost exchange-traded funds (ETFs) and mutual funds.  Each portfolio is then monitored and rebalanced continuously to maintain that optimal asset allocation.  This disciplined approach has repeatedly been proven to achieve optimal investment returns over time.

 

Frequently Asked Questions

• What is a Fee-Only Adviser? 

• What do you charge for your services? 

• What type of Clients do you work with? 

• How do I get started? 

• Is there an account minimum?

 

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