Our Philosophy

The Capital Markets are Efficient and Effective

We fundamentally believe that investing in stocks, bonds, and cash over the long-term works, and that these are efficient and effective tools to help your portfolio grow. More importantly, however, we believe that the capital markets are a tool, and not an end to helping you achieve what is important to you.

Our focus is not on outperforming the markets; rather, we believe in achieving a sustainable risk adjusted rate of return that supports your goals and allows you to do the things you want to do i.e. retire, travel, educate your children, etc. While we strive to build the most efficient and competitive portfolios, our real objective is delivering a successful financial plan with the least amount of risk.

Investors are Irrational

It is within our nature as human beings to overreact emotionally when events occur, both up and down. Such emotions are directly reflected in the short-term volatility that occurs in the markets. And while short-term downside volatility is never fun, we believe it provides opportunity and enables your long-term investment plan to work. Having a long-term investment perspective can enable investors to view short-term volatility as a chance to harness opportunity.

The Importance of a Plan

A structured financial plan provides the framework that helps keep you focused on making progress towards your goals. This dynamic guide enables you to work through life events, market cycles, and surprises that will often tempt you to stray off course.

Staying Power

Life is unpredictable and so are the investment markets. Having a structured financial plan helps provide a framework to achieve stated goals, but none of it matters if you abandon your plan. We advise our clients and construct their portfolios so they are prepared to handle unexpected changes in the markets. Our goal is to help our clients stick with their plans and provide the ability to make logical decisions rather than emotional ones.