Our approach and open architecture model help us develop a sophisticated institutional-quality investing mindset in a portfolio tailored to your personal needs.

Simple Wins

We like transparency in the companies we invest in, so we focus on public companies that have to adhere to strict reporting standards. We believe intelligent risk-taking is rewarded over the long run and that costs matter, as we can pass the savings directly on to the client.

Broadly speaking, we look at both value and growth stocks and build low-cost, tax-efficient portfolios from there. Having the right balance between those 2 categories is critical. In the fixed-income category, we evaluate the interest rate environment for fixed-income and bond opportunities. No cryptocurrency or private/ alternative investments unless they are existing holdings the client wants help with.

In many cases, we find a significant amount of money invested in high-fee funds with excessive capital gains and distribution taxes that we can reduce by over 50% by replacing your existing mutual fund investments. Open architecture allows us to choose from the full universe of investment choices and find the selections we consider to be “best in class” to meet specific client needs and goals. Open architecture can often lead to lower costs and improved risk-adjusted returns for investors by mitigating potential conflicts of interest that can arise in closed systems. 

Systematic, Long-term Approach

Long-term returns are the most important; however, you must endure the short term to get there. In the long run, we believe asset allocation and diversification will be the main drivers of performance, backed by time-tested, academically validated principles and financial science. We use a balanced approach to manage volatility and invest for both safety (income) and growth.

Over time, our process periodically guides us to reduce risk exposure to overvalued asset classes and preserve an optimum ratio between asset classes for an individual’s particular circumstances. This technique is called rebalancing, and we do it tax-efficiently across all investment accounts. Rebalancing can help you remove emotion from the process.

Portfolios Customized to Risk Profile and Goals

We cannot invest your assets without deeply understanding your risk profile, time horizon, and goals. From there, we can create a portfolio that meets your specific circumstances, needs, and desires.

The biggest risk is not market risk or economy risk—the biggest risk is that the portfolio is not properly aligned with the owners' goals/ needs, etc. You can avoid costly mistakes by using the correct level of risk for your portfolio.

Tax Efficiency

One of the surest ways to improve returns is to control tax liabilities. We regularly use tax-advantaged investments such as exchange-traded funds (ETFs) and municipal bonds. We also focus on matching investments with the correct account type (asset location) to get tax advantages and tax-free or tax-deferred growth. We weigh current and future tax considerations to make investment recommendations to help you succeed and focus on long-term tax minimization.