INVESTMENT MANAGEMENT

We believe in low-cost, evidence-based, global investment management.

Investment Management Services

Our investment services include portfolios that are carefully designed to help investors improve returns, reduce risk, and achieve their unique financial objectives. We believe in a simple, 4-part investment philosophy that includes keeping costs low, diversifying globally, limiting taxes, and improving investor behavior.

1.) Keeping Costs Low

It’s been proven that investments with lower costs have a track record of providing higher returns. Therefore, we strive to not only offer competitive pricing for our advisory services, but to also recommend investments with low internal costs, including low-cost mutual funds and ETFs.

2.) Diversifying Globally

We believe, and it has been academically proven, that no one can accurately and consistently predict the best performing asset class or sector over a long period of time. We also believe over-concentrating in one sector or asset class can lead to unnecessary risk.

That is why we maintain a healthy level of diversification in all of our model portfolios, which include large cap, small caps, domestic, international, and emerging markets holdings.

3.) Minimizing Taxes

Taxes can result from capital gains and/or dividends, and higher taxes can be likened to higher fees. Higher fees typically mean lower returns.

To reduce the impact of taxes for our clients, we recommend investments with low turnover and implement strategies like tax-loss harvesting to keep taxes to a minimum.

4.) Improving Investor Behavior

We have a strong belief that good investor behavior is the most impactful component of any good, long-term investment outcome.

Part of successful investing involves the discipline to not make any knee-jerk reactions, like selling investments at a loss. We believe another key is to create a plan first and let your plan dictate your investment choices.

As markets fluctuate, it’s important that you’re able to properly evaluate your plan and that you are confident enough to stick to it.

That’s why we spend so much time with clients on building a thorough financial plan and educating on what it takes to be a successful investor.

Step #1: Schedule 15-Minute Phone Call

Additional Investment Management Resources

5 Bear Market Mistakes to Avoid

Bear markets can make it difficult for investors to stay the course. Stock market volatility and negative headlines give the impression that you should be doing something and poor investor behavior may begin to emerge. Stock market investing can be emotionally...

Stocks During a War: Should You Worry?

The Russia-Ukraine conflict has left many investors worried as they wonder what will happen to their stocks during the war. That is why it is especially important during times of heightened volatility and uncertainty to remember the fundamentals of investing and the...

2021 Review + 2022 Stock Market Predictions

At the beginning of every year, we see stock market predictions being released by financial institutions, fund managers, financial media personnel, and other financial “experts.” Most of these predictions end up being wildly inaccurate, yet they keep being made, and...

Health Savings Accounts: A Best-Kept Secret?

Health Savings Accounts (HSAs) are somewhat of a hidden gem in the investment world. Many people may have heard of an HSA before, but few are aware of how beneficial they can be.In many of my own client interactions, I find that people may have a decent understanding...

Annuities: Pros, Cons, and What are They, Anyway?

Some people love them. Some hate them! So, are annuities good or are they bad? The truth is that because there are so many different types of annuities, they cannot all be characterized as either good or bad. Each annuity should be evaluated independently based on each individual’s situation.

EQ Beats IQ When Investing

The ups and downs of investing can cause some investors to experience “market fatigue.” It’s not always our balances that get beat down, but our emotions, which is why a high level of EQ (or emotional intelligence) can be more beneficial than a high IQ when investing in the stock market.

Should I Invest Near a Market High?

When the stock market is near an all-time high, some investors decide to exit the stock market, fearing of a possible decline. Although this is a common and logical concern, historical data shows that may not be the most prudent approach to navigating markets that are...

Is the 60/40 Portfolio Dead?

Portfolios with 60% stocks and 40% bonds have been a staple of investing for the last few decades, but many think these portfolios could face major challenges in the next several years. With interest rates near historic lows, successful bond investing could look much...

5 Financial Impacts of the Democrat Blue Wave

Democrats swept the 2020 elections, which means investors are evaluating how that could impact their portfolios, taxes, and overall economic recovery. Forecasts are mixed, but investors are encouraged to keep a long-term focus.The elections dominated headlines for...

No client or potential client should assume that any information presented or made available on or through this website should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information.