We believe philosophy should be universal but strategy should be personal. Our overarching philosophy is applied to every client’s investment plan, but each portfolio is designed to meet the specific needs, goals and initiatives of the individual client or organization and their mission. We have the ability to customize our strategies to fit every client’s unique situation.
We believe in an evidence-based approach to investing. Our job is to build successful, goal-oriented investor portfolios with an emphasis on historical context, situational awareness and common sense. We believe that less is more, that costs should be low and that markets work. While we don’t attempt to predict the future, we do analyze the present and calculate probabilities from the past. We prize evidence over excitement and durability over everything.
We believe in telling the truth. Investment professionals often over-promise and under-deliver by telling investors what they want to hear for the sole purpose of gaining and maintaining business relationships. We set reasonable expectations up front, tell you what we’re going to do, and then go out and do it for you. One of the best ways to stay invested over the long haul is by knowing exactly what you own and why you own it. We foster a culture of communication and transparency with all of our clients to ensure they’re always cognizant of how their money is being managed in the pursuit of their goals.
We believe in acting as a fiduciary to our clients. We can’t begin to offer investment advice if we don’t understand a client’s willingness, need, and ability to take risk. Before making recommendations, we need to gain a better understanding of a client’s goals, resources, pain points, experience with the markets, and perception of risk.
As a fiduciary, it’s our role to ensure specific investment guidelines are carried out, money is always managed with the overall investment plan in mind, and portfolios are created according to the specific objectives of the individual, family or organization in question. This fiduciary standard provides that we always act in the best interest of our clients.