Services ~ Investment Management

Client-focused, fee-only investment management

A comprehensive client-centered approach to investment management has dramatically improved our clients’ lives and their individual and family financial wealth. We concentrate on proper investment planning to avoid the costs and risks of flawed market predictions that plague traditional approaches to asset management.

By examining larger economic factors, rather than individual securities, we focus on capturing compensated dimensions of the market and favored asset classes within it. We also strive to increase a client’s return by reducing costs, such as taxes, market impact and fund operating expenses.

Research-based investment management

Following a comprehensive financial planning process, we create an investment structure built on solid, academically proven fiduciary standards and foundational principles. Three of these asset management foundations include:

Foundation 1: Liquid assets should be available to cover a short-term disability, homeowner needs and other short-term expenses. To save on fees, these assets should be held outside of our management.

Foundation 2: Our tax-efficient, “passively” managed, low-cost investment recommendations based on modern portfolio theory have proven short-term and long-term value. This compares to the over-actively managed and market-timing strategies of other advisors.

Foundation 3: Five to seven years of fixed income is typically built into a client’s portfolio to reduce the overall risk of the portfolio, insulating it against volatility in down markets and substantially increasing the net return over a five-year minimum investing period.

Disciplined trading guidelines

Many investors make the wrong move at the wrong time because of emotional decision-making. After a portfolio is designed, we implement a strict review process and disciplined trading guidelines. This results in portfolio changes that are rational, objective and ultimately very successful for our clients.

We are guided by the following principles in recommending a portfolio change:

• A lower risk can be achieved (without sacrificing return) by buying and/or selling part or all of a security or fund.
• A better degree of diversification can be attained.
• A gain can be recognized with little or no tax consequences for the current tax year, known as tax-loss harvesting. An equivalent alternative asset is often purchased after to maintain the portfolio’s proper asset allocation.
• A lower cost alternative investment (measured by expense ratio and trading costs) has been identified to reduce overall investment costs while maintaining the proper investment mix.

In managing your investment assets, we carefully consider your customized portfolio design and personal investment policy statement, adjusting the focus only when your life goals change.

Objective portfolio analysis and fee-only advice

During your quarterly portfolio review, we apply intelligent investing techniques and an objective analysis before making any recommendations. As fee-only investment advisors we are compensated exclusively by you, our clients, allowing us to make recommendations solely in your best interest. Your portfolio performance is reported to you each quarter, net of fees, allowing you to see exactly how well we are working for you.

Contact us to learn more about our successful investment management strategies.

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