Investment Philosophy

  • The purpose of investing is to maintain and grow purchasing power over long periods of time.
  • Asset Allocation is the most important decision, which incorporates risk tolerance, risk capacity, and required rate of return.
  • The Asset Allocation should be globally diversified.
  • The market cannot be beat or timed with any consistency over the long term after fees.
  • Investor returns are more important than investment returns.
  • Stocks should outperform bonds over time, but will underperform at times.
  • Passive investment funds offer the most efficient way to access global asset classes.
  • The investor should focus on what they can control: costs, diversification, rebalancing, tax awareness and a buy-and-hold strategy.

Lower Your Taxes In Retirement

Taxes are one of your largest expenses in retirement. Learn various strategies that can reduce the amount you'll pay.


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