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How We Invest

Intelligence, Insight and Integrity

Our top priority is to help you build financial security, protect your family, and move your dreams one step closer to reality. We do that by always acting in your best interest and looking for ways to lower your costs, manage your taxes, and simplify complex investment situations. We listen first, and act second. This means we first gain a better understanding of your financial situation, and only then start exploring investments to accomplish your goals.

We believe your investments should be tied to your values. 

Most of our investors have worked hard to build a better life. They think about protecting their families and improving their communities. They want to know what they own and invest with conviction. We have thoughtfully designed model portfolio offerings for clients, but within that framework we offer opportunities for socially responsible “ESG” funds, legacy holdings, the stocks of individual companies, and other strategic portfolio offerings.

We believe a balanced and globally diversified investment approach is the clearest path to financial freedom.

We use a ‘total return’ global asset allocation approach, investing in a wide range of stock and bond funds that provide ample diversification across the investment universe. We balance future returns with market risk, and tailor portfolios to best accomplish the goals of each individual investor. We take a long-term approach, but remain tactical, with the ability to adapt to a changing world. Our investment team looks at equity and fixed income opportunities on a global scale – seeking to avoid or limit the big risks that routinely surface in the markets.

Our model portfolios use low-cost and tax efficient index funds, paired with strategic active investment managers – specifically those we believe deliver market performance while better controlling for downside risk when that protection is needed most: during recessions and bear markets. Our custom approach to portfolio management allows us to selectively make portfolio changes when appropriate, with the goal of achieving optimal outcomes for investors.

Diversification and asset allocation do not ensure a profit or protect against a loss. Investing involves risk and you may incur a profit or loss regardless of strategy selected.

Most importantly, we aim for success in the long run, not the short term.

When investing in the stock market, your odds of positive performance improve with time. The markets are full of noise, much of which cancels itself out if we can remain patient. It is the long-term returns, and the power of compounding those returns, that drives portfolio performance. Over a single day, your odds of positive stock market returns are slightly better than 50%. But since 1926, the S&P 500 index total return has been positive over 75% of the time for rolling one-year periods, and over 87% of the time for rolling five-year periods. [1] 

By taking a balanced investment approach, we hope to help investors like you maintain conviction and better protect your financial future.

Interested in Learning More?

If you would like us to review your current portfolio, or offer our thoughts and ideas for achieving your goals with new investments, we would be happy to do so. Feel free to contact us in the way most convenient for you.

Investors should consider the investment objectives, risks, charges and expenses of an investment company carefully before investing. The prospectus contains this and other information and should be read carefully before investing. The prospectus is available from your investment professional.

[1]  [https://us.dimensional.com/perspectives/the-uncommon-average]