Investment Management

Investing is not about getting rich quickly, but about building the financial strength to do what you want in your life. We are here to help you develop an investment management strategy that will allow you to do that.

However, it is important to recognize that all investments, including cash, are risks. Their value is never promised, and the uncertainty of the future is always something an effective investment strategy is cognizant of. Before we develop an investment strategy for you, we seek to help you understand your risk tolerance. This is a factor that will illustrate how much you can invest based on your capabilities, goals, and comfort. Once we have a better understanding of your risk tolerance, we can help create a plan that can account for the inevitability of bad times.

Our Investment Outlook

Timing the Market Doesn’t Work

Our experience has taught us that timing the market is not an effective strategy for building wealth.  Famous investor Peter Lynch once said that “Far more money has been lost by investors preparing for corrections or trying to anticipate corrections than has been lost in corrections themselves”, and we agree with his outlook. Trying to predict what will happen in the market adds risk, costs, and uncertainty with no additional expected return.

A Research-Driven Approach

We collaborate with leading financial academics to identify a sensible approach to investing. Certain factors have been proven to explain the differences in investment returns. These factors are rooted in economic reasoning, demonstrate persistence through time, and are pervasive across markets.

Capital Markets Work

Our research shows that markets have a long history of rewarding investors for the capital they supply. Companies compete for investment capital and millions of investors compete to find the most attractive returns. This competition quickly drives prices to equilibrium, incorporating all available public information. We believe classical investment approaches attempt to outsmart the collective wisdom of all market participants by trying to identify and predict pricing “mistakes.” Our investment philosophy allows us to harness the power of capital markets.

Investing vs. Speculating

Many investors follow the crowd and make investment decisions based on what they hear in the media. Stock-picking has been proven to be inconsistent and too unpredictable to be a reasonable method of beating the market. Instead, we believe financial research identifies the sources of higher expected returns.

Lower Costs & Fewer Taxes

Portfolio costs can have a direct impact on portfolio performance; we seek to keep the total expense structure low by utilizing low-cost index funds, ETFs, and institutional class mutual funds. Our goal is to efficiently structure your portfolio by locating your assets in appropriate accounts to help provide you with the highest net after-tax value over time.