We believe proper investment management will always be tied precisely to the individual’s financial plan. All our portfolios are managed to meet the specific purpose each client has identified for their money, whether it be retirement planning, legacy planning, or something else. We do not manage to arbitrary benchmarks but seek to maximize performance for the risk tolerance and ability of each client’s circumstance.
Our investment philosophy is based on Modern Portfolio Theory (MPT). MPT is derived from the extensive, on-going academic research by the world’s leading financial economists who are teaching professors at the University of Chicago, Stanford, Yale, Harvard, and MIT.
- Asset allocation drives long term performance and risk.
- Frequent trading and market timing increases expenses and lowers return.
- Tilting portfolios towards Value and Small companies can increase return.
- Portfolio changes should be driven by rebalancing or client life changes NOT market forecasts or predictions.