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

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...

What Will I Do When I Retire?

Being able to answer the question "What will I do when I retire" and having a plan for your retirement lifestyle can help you stay engaged and can lead to a healthier and more enjoyable retirement, studies say.Your retirement years are supposed to be your golden...

Investment Help with 3 Simple Questions

The stock market can seem simple for some and leave others searching for investment help. However, a “good” investing outcome can be achieved in many ways. But, it's your mindset, expectations about investing, and the way you approach investing that has much to do...

3 Myths About the Stock Market in an Election Year

Every four years, we are essentially told the fate of the world hangs in the balance of which presidential candidate wins the election. This narrative is used by both major political parties in the U.S. However, historical data tells a different narrative, and it’s...

If Everyone is Selling, Who is Buying?

The Great Wealth Transfer has been historically known as the shift of assets from Baby Boomers to their heirs, which some estimate to be in the ballpark of $68 trillion over the next two decades.1 But, I’d like to share about a different transfer of wealth, one that...

5 Ways to Get More Money in a Roth IRA

When the world feels like it’s on the brink of implosion, it seems trivial to write or think about taxes. But, with the thought that taxes might go up in the future, especially in Illinois, many are wondering how to get more money in a Roth IRA today (to pay taxes now...

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.