Risk Management
Achieving returns requires taking risks. Understanding how much risk to accept, which specific risks to embrace, and continuously monitoring those risks are critical components of our strategy.
Our mission is to build diversified investment portfolios that deliver attractive returns while minimizing risk and volatility, tailored to each client's investment model.
We strive for strong performance across various market cycles by utilizing a proven investment strategy that is consistently executed.
Guided by a philosophy that balances vision with discipline, we adopt a buy-and-hold investment approach. We firmly believe that achieving long-term objectives requires a focus on the broader landscape, rather than chasing fleeting short-term gains.
A data-driven approach
Our investment philosophy is founded on extensive academic research into financial markets and investor behavior — what we call financial science. We design client portfolios to generate long-term value through broad diversification, strategic asset allocation, and tax-efficient practices. This consistent, objective methodology eliminates guesswork from the equation.
Maximize your earnings
Our focus is on factors within our control, such as minimizing fees and taxes. We do not accept commissions or referral fees from recommended funds or managers, allowing us to prioritize your financial wellbeing. With over a decade of CPA expertise utilizing strategies like tax-loss harvesting and rebalancing, we are dedicated to optimizing your investment returns.
Strategize, don’t just respond
Through our unique financial discovery process, your advisory team will develop a customized investment plan tailored to your goals, values, and risk tolerance. After implementing your strategy, we continuously monitor your portfolio to ensure you stay aligned with your objectives. Rest assured that you have a solid investment foundation and a dedicated partner on your journey to financial success.
Our Investment Philosophy
We construct portfolios guided by the principles of capital markets science, drawing on proven academic investment theories:
Comprehensive Diversification
A well-rounded strategy that includes a mix of domestic and international stocks, bonds, cash, and alternative investments mitigates drastic value fluctuations while providing growth opportunities. Effective diversification enhances the likelihood of holding top performers and alleviates the uncertainty of investment choices.1
Tax Efficiency
Taxes can significantly erode your investment returns. Implementing strategies for effective asset location, tax-loss harvesting, and maintaining low turnover can help you retain more of your earnings.
Cost Effectiveness
High fees can hinder long-term investment growth. Research indicates that funds with lower fees are often better indicators of superior long-term returns compared to those with higher fees or complex rating systems.2
1 Diversification does not eliminate the risk of loss.
2 Russel Kinnel. "How Expense Ratios and Star Ratings Predict Success" — Aug. 2010.
18 yrs
years of expertise in investment advisory services
280+
client relationships built on trust and results
$1.2b
in client assets expertly managed