Foundations

Our approach to investing for individuals uses the same techniques, tools, and knowledge used by institutional investors. This means using lower cost investment products, passive as well as active strategies, and alternative asset classes for diversification. This is in contrast to the traditional higher cost, limited menu approach of some retail firms.

A unique part of our approach is the use of our Core Models as the foundation for investment management for most of our clients. Our Core Models are designed  for asset allocation, diversification, and risk management. Using various allocations among equities, bonds, and alternative investments, our Core Models act as the starting point for overall portfolio design for the majority of our clients. When appropriate (primarily for larger accounts), we add individual stocks to the mix. As part of our Core Model design, we meet frequently with the representatives of the investment products we use to ensure that they are adhering to their advertised investment objectives and strategies. Each year (or more frequently, if needed), we review the designs of our Core Models and add or subtract holdings.

We believe that the biggest enemies to your portfolio and wealth over time are the negative impact of expenses, taxes, and inflation. We are committed to eliminating unnecessary investment costs and identifying tax savings strategies that strives to improve the chances of the success of your long-term financial plan.

For taxable accounts we understand the importance of minimizing tax consequences. While our investment decisions are not solely based on tax implications, we do take into consideration the tax impact of all our decisions. We add an element of tax efficiency in the design and monitoring of these portfolios.

There is no guarantee that asset allocation or diversification will enhance overall returns, outperform a non-diversified portfolio, nor ensure a profit or protect against a loss. No strategy assures success or protects against loss.