Our role is to ensure specific investment guidelines are carried out, money is always managed with the overall investment plan in mind, and portfolios are created according to the specific objectives of the client. As an investment advisory fiduciary, we always act in the best interest of our clients.
We view financial planning and asset management as two inseparable components of a successful financial life. That is how we help our clients achieve success in all aspects of their finances.
Our process begins by taking a holistic approach to personal finance. Our financial planners construct a blueprint for a client's financial plan that becomes the basis of the relationship with our firm. The process consists of several steps culminating in a financial plan mated to a recommended investment program.
It has been our experience that potential clients who go through this process become investors who are better equipped to make educated decisions about their financial futures.
We believe asset allocation trumps stock-picking and a constant search for Alpha (α). We build globally diversified portfolios across asset classes, strategies, market caps, and risk factors using behaviorally-aware investment methodology where the focus is on getting the most out of your resources. While most investment organizations focus exclusively on 'beating the market', we feel the most important tenets of the investment process are portfolio construction and risk management.
We believe in both strategic and tactical asset allocation. Markets generally 'work' over the long-term so a strategic asset allocation, utilizing broad diversification helps reduce risk and protect against outlier events.
Long-term returns are the only ones that matter, but thinking and acting exclusively for the long-term will feel uncomfortable and even appear careless at market extremes. We recognize that organizations and individuals are forced to make financial decisions in the short to intermediate terms. Therefore, we created a systematic risk management strategy to ensure that investors can handle periodic volatility without abandoning their investment plan.
We believe that you must invest in the markets as they are, not as you wish them to be. Risk and return are attached at the hip, so no matter how you invest, risk never completely goes away, it just changes shape. This means that investors must be willing to accept some form of volatility to achieve returns above the rate of inflation. Therefore, it is our job to help clients gain exposure to those areas where they are being paid to take risk.