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

2024 Stock Market Predictions

What do financial experts say is going to happen in the stock market during 2024 and should we listen? The evidence suggests that despite these institutions spending millions of dollars or more on market research, it is incredibly difficult to predict future...

2023 Stock Market Predictions and Why You Should Ignore Them

It's that time of year again...when 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,...

Don’t Fear a Recession, but be Prepared

With the challenges of 2022 still looming, including inflation and the Fed's trend of aggressive interest rate hikes, some economic "experts" have called for a recession in 2023. However, it's important to note that although not all recessions start for the same...

Year-End Strategies to Lower Taxes & Optimize Investments

When a new year is approaching, that means the window for certain opportunities is closing. Taking advantage of a few simple year-end strategies can help save you taxes and increase your bottom line. The year is almost over, and it has certainly been a bumpy one for...

Roth Conversions: Good Idea?

Roth conversions are the repositioning of assets in a Traditional IRA or qualified employer sponsored retirement plan to a Roth IRA. This strategy could make sense for investors even as they approach retirement, but it's important to understand the implications that...

Retirement Investing: Is it Different?

Retirement investing isn’t completely different than investing prior to retirement. The same risks and thought patterns should apply. However, the end strategy will likely look different due to expected withdrawals during the retirement phase.It’s no secret that...

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...

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.