investing
We deliver a unique investing experience.
We are truly a investment management firm that is backed by years of industry experience and leading technology. By tapping into our deep research and analytical abilities, you get a unique and efficient portfolio designed for performance and peace of mind.
Our clients come to us for investment management that ascends from the typical. Rather than relying on separate money managers to make investment decisions, we construct portfolios for our clients using a unified method that is logical, clear, and highly sophisticated.
We follow the six tenets of successful investing.
1
LOW COST
Keep more by paying less for your investments.
2
PASSIVE
Avoid chasing returns with passive investments, which have been proven to beat active investments with commitment.
3
LONG-TERM
The long view keeps us committed to the strategy. Think tortoise, not hare.
4
DISCIPLINE
Control fear and greed to use them in our favor. Buy low, sell high, not the other way around.
5
RISK-TUNED
Apply appropriate risk to your goals’ time horizon.
6
DIVERSIFIED
Asset allocation for risk-adjusted returns and peace of mind.
We are clear about our investment process.
Step 1: Identify your goals and their time horizon
Knowing why and for how long you are investing is the most important concept in investing.
Step 2: Risk review
Another layer of understanding your risk appetite for certain investment classes.
Step 3: Divide assets
Asset allocations, tax locations, goal funding timing, and short-term cash needs are some of the ways we divide your assets to create the larger puzzle.
Step 4: Low-cost investment selection
We find investments that suit the needs of your goals while keeping their costs as low as possible so you keep more of what you earn.
Step 5: Buy, hold, and monitor
We implement the strategy and hold investments for at least a year, rebalancing as few times as needed. Life changes are constant and your portfolio may need to adapt so periodic checks are necessary for goal alignment and tax management.
Hypothetical Example:
Retirement accounts for young investors will have higher growth investments to create a larger balance going into retirement. The risk profile will be higher because the investment horizon could be greater than 20 years meaning more time to recover from multiple market crashes which will inevitably occur during that period. Roth conversions will be implemented to create better tax positions for retirement years. This manages investments, taxes, risk, goals, and retirement.