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INVESTMENT
PLANNING

CREATE AN INVESTMENT  PLAN TO BUILD AND MAINTAIN SUSTAINABLE WEALTH.

HOW WE HELP YOU

Financial markets can provide great opportunity for long-term wealth creation, but measures should be taken to optimize long-term returns, dampen volatility, and not fall prey to the common pitfalls of investing.  You need an investment strategy that is built around your needs, and built to last, and that’s where we come in.

PHILOSOPHY

HOW WE APPROACH INVESTING

  • Investment decisions are based on long-term market history, not short-term predictions.

  • Portfolio construction is guided by peer-reviewed academic research, not “expert” opinions.

  • Practical application is the foundation, not speculative ventures.

  • Patience is key, not rapid reactions.

  • Understand that near-term market swings are unpredictable and ignore the “noise.”

  • Know that time is on your side and give your plan time to grow.

  • Manage market risk factors and diversify away concentrated risks.

  • Focus on minimal trading, understanding that excessive trading will reduce total returns.

  • Earn expected long-term returns that are commensurate with your personal goals, time horizons, and individual risk tolerances.

OUR INVESTMENT PROCESS

METHODOLGY
   

  • Simplicity and transparency are key.  We use no-load mutual funds and Exchange Traded Funds (ETF’s) to build diversified portfolios.  

  • Low cost is essential.  High costs can be a significant drag on investment performance, which is why we always keep an eye on the costs when building portfolios.   

  • Tax Efficiency is a must.  For taxable accounts, we build and maintain portfolios with tax efficiency in mind so that you can enhance returns by minimizing taxes. 

  • Consistency is imperative.  From investment selection to portfolio management, a smart investment plan must follow a consistent and disciplended process.  

  • Unbaised advice is critical.  Investment decisions should be based on what's best for you, not your broker.  As we are fee-only, we receive no direct compensation from broker/dealers, investment companies or fund companies for the investments that we recommend to you, and we receive no trading commissions or transaction fees.  This ensures you receive unbiased advice that is based solely on what's best for you.

  • Your portfolio is yours.  We accept our role as a trusted advisor and do not take personal possession of any client assets.  We recommend that clients custody their assets at Charles Schwab & Co.

RESOLVE

WE HELP YOU STAY THE COURSE​

One of the most important factors impacting your investments and the long-term success of your plan has nothing to do with your investment selections. It has to do with your state of mind.

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Letting your emotions drive investment decisions is one of the most damaging behaviors in long-term investing, and many investors fall prey to this force during bull and bear markets alike.  Emotion fueled decisions can derail a well thought out plan and can lead to counterproductive trading (jumping in and out of the market) and inappropriate risk taking (too much or too little risk) and the impact can have a detrimental impact on the long-term success of your plan. 

 

​We understand these emotions and we remain steadfast in our process and resolve.   Our goal is to make the investment process easy and straightforward so you can stick to a long-term plan and build and preserve sustainable wealth.

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