Investment Management
We start by understanding your financial plan and evaluating your risk tolerance. Then we build your portfolio and handle the details of asset management for you, continuously monitoring your investments. As fee-only advisors we operate under the fiduciary standard, meaning we place your interests ahead of our own.
TACTICAL ASSET ALLOCATION
We actively adjust asset allocations based on risks and opportunities presented by market prices and economic conditions.
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We begin with market capitalization weighting and then assign overweights and underweights to the component asset classes.
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We do not make big bets with your money. By avoiding speculation, we allow your portfolio to benefit from the global economy’s long-term growth.
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In our meetings we explain how the news (economic, political, geopolitical, etc.) is affecting your investments.
Investment Committee
Receive personalized, accountable portfolio management through in-house decision-making by our advisor-led investment committee. Our disciplined process ensures ongoing monitoring of your investments through:
Daily monitoring of macroeconomic trends and pricing dislocations relevant to your portfolio.
Weekly review of your holdings (tracking performance and notable fund updates).
Quarterly two-day deep dives, dedicated to economic analysis and investment selection.
Investment Selection
Our model portfolio approach enables efficient review and alignment with your risk tolerance and goals, including accumulation, income, capital preservation, tax efficiency, and ESG considerations.
Performance is determined more by asset allocation than by individual security selection. Modern Portfolio Theory (MPT) provides a valuable framework for building a diversified portfolio to minimize risk and enhance long-term returns.
We focus on asset allocation and determining when active or passive strategies are most appropriate. For active strategies, we evaluate funds based on MPT metrics, style purity, manager discipline, expenses, and relative performance. For passive strategies, we prioritize liquidity, cost, and tracking accuracy.
It is critical to understand what you are invested in. Although our universe of available investments is virtually unlimited*, you benefit from holdings that are simple, liquid, and inexpensive (typically mutual funds and exchange-traded funds). *We also manage certain employer-provided plans where investment selection may be limited.
