Investments are important and should be integrated into the rest of your financial plan.
Our investment philosophy is strategic and long term by design. It is based on math and evidence instead of TV pundit “predictions” or whatever Wall Street is trying to sell.
We focus on the investor’s return and chances of meeting their goals rather than trying to beat the odds and guess which investments will outperform. Similarly, time in the market matters more than timing the market.
Investor returns are often different from the funds they invest in. This is called the “behavior gap” and working with an advisor can improve it.
Areas we cover
Did you know? Vanguard published a white paper that calculated the value of an advisor to be about 3% in net returns. The actual value received obviously depends on your unique circumstances, but areas include:
Our Investment Philosophy:
Focusing on the investor means focusing on what we can control:
This is probably the most important investment decision you will make. To decide your asset allocation, we factor in your spending goals, time horizon and risk willingness.*
According to Morningstar research, the expense ratio (cost) is the most proven predictor of future fund returns. This is one reason we use broadly diversified and low-cost index funds. Another reason is because of the difficulty in choosing funds that outperform its index.
*Ibbotson, Roger and Paul Kaplan, “Does Asset Allocation Policy Explain 40, 90 or 100 Percent of Performance?” Financial Analysts Journal 2000 56,1
The cost is between 0.7%-1% of the assets we manage for you. While there are no asset minimums, there will generally be a minimum annual fee for Ongoing Financial Planning, which is offset by any investment fees. For example, let’s say a client has a planning fee of $5k. If this client has over $500k managed, they will not pay any additional fee for financial planning. A client with $400k managed would pay $1k to equal the planning fee.