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 Accept my Pension Buyout Offer?
As employees covered by defined pension plans approach retirement, companies are looking for ways to remove themselves from their obligations by offering pension buyouts. For example, instead of providing the retired employee with an income stream for life, the company…
Did I Prepare Well Enough for Retirement?
After years of conversations with those on the verge of retirement, I’ve noticed a trend that seems to be common among those preparing to step into their golden years. The trend is a need for confirmation that all the hard work, discipline, and saving was enough. They want to know that they…
Why Did My Investment Strategy Not Work?
If you’ve been an investor for a while, you’ve probably experienced times where your investment strategy didn’t seem to work like you thought it would. But, what you may not understand is why exactly did it not work? Maybe your strategy didn’t perform as well as the...
4 Things to NOT do After Receiving an Inheritance
Receiving an inheritance is likely unfamiliar territory for most individuals. In some cases, the amount of your inheritance can even be a big surprise. In any case, if you have recently received an inheritance, it’s probably an emotional time. Dealing with paperwork regarding financial…
Sailing with the Tides
Embarking on a financial plan is like sailing around the world. The voyage won’t always go to plan, and there’ll be rough seas. But the odds of reaching your destination increase greatly if you are prepared, flexible, patient, and well-advised. Click to read the full article from Dimensional….
True or False Diversification?
The old adage, “Don’t put all of your eggs in one basket” has undoubtedly been a simple yet profound guide for investors for decades. The translation is simple; diversify your portfolio so that if unforeseen circumstances negatively affect one of your stocks, it won’t completely derail your entire…
Q&A: What end-of-year planning should I be doing?
Time is running out this calendar year to take action on important items that need to be addressed before the end of the year. But, there is still time to make some last-minute adjustments before we get to 2018. Here are just a few year-end tips that could help you as...
Who is Overseeing Your Team of Professionals?
Managing your financial plan can be overwhelming. After all, it’s ultimately up to you to make sure that your investments, retirement plan, estate plan, insurance policies, and taxes are all on track and working efficiently…
Why Investors Should Consider Dividend-Paying Stocks
Based on current economic forecasts, we could be entering a period when market returns lag behind historical returns, meaning investors might want to do due diligence on all investment strategies to find the best way to meet their objectives. If income is a goal…
Individual Bonds vs. Bond Funds for Retirement Income
In our current interest-rate environment and with the state of the global economy, retirees looking for income-driven investment vehicles can be hard-pressed to find investments that offer decent yields or dividends…
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.