Our Investment Philosophy

Goals and Values

You have your own unique goals you wish to achieve, and values you wish to honor and live by. We help you clarify your own desires and determine how you want to live. Once you have decided on your goals, we help you structure your financial picture to help support them appropriately.

The Value of Money

As your advisors, we believe money is a tool to a achieve your goals. We help you to determine whether your money is being used to support your true ends.

Investment Strategy

Your entire financial picture needs to be considered as a whole in order to properly diversify holdings. Your goals and time horizon will also determine which strategies are appropriate. We believe in the benefits of proper diversification. However, we believe that traditional strategies of diversifying across equity styles are no longer enough. Therefore, we seek true diversification between non-correlating assets and across asset types to help mitigate market risk.

Performance Expectations

We help you set realistic expectations for your investment returns. We believe that the single best way you can contribute to your future independence is through saving consistently, building your assets, and treating your future with the care and attention it deserves. We strive to ensure that your assets are positioned to work for you. Investors should be aware that there are risks inherent in all investments, such as fluctuations in investment principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. While we strive to provide consistent returns through proper portfolio construction, any money in the market is exposed to possible loss.

Risk Tolerance

In general, achieving a high return requires accepting higher risk. One of our key roles is to strive to provide you with confidence with your investments. We do this by analyzing your risk tolerance and selecting investment portfolios that are appropriate for your goals and fortitude as an investor. Our process is to never put you in an investment if you tell us that you are uncomfortable with it.

Tax & Estate Planning

We believe you should use your money to accomplish your goals and not let the government decide for you. We collaborate with your Attorney and Tax Professional by:

• Using Tax Gain or Tax Loss Harvesting strategies
• Implementing the correct Retirement strategies for your specific needs
• Ensuring that your estate plan is properly established & continually updated

Time Horizon

The old expectation of a 20-year retirement is obsolete. According to Dr. Thomas Perls of the New England Centenarian Study, the fastest-growing segment of the population is those over 100. We believe that this trend will only strengthen as medical care improves. Therefore, we assume that our clients will live to the age of 100 and try to plan appropriately. We believe, this implies that many client portfolios will need to remain oriented towards growth even during retirement. One of the most important goals of retirement planning is to develop a strategy that can provide enough income over  your entire lifetime, however long that may be. Additionally, we will consider the effect of wealth transfers to your heirs, as part of estate planning.

“Investors should be aware that there are risks inherent in all investments, such as fluctuations in investment principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values."