INVESTMENT PHILOSOPHY

Our investment philosophy is driven by these core tenets:

 

Clarity of Purpose: The goals outlined in your financial planning and your tolerance for risk should drive your investment strategy, not emotion, or the latest investing fad.

 

Global Diversification: Many investors exhibit “home county bias” – the tendency to concentrate their investments in the US markets. We believe in spreading risk globally among geographies to avoid being tied to the economic cycles of a single country or region.

 

Cost Control: We are conscientious of overall investment costs when working with you.

 

Tax Efficiency: Like fees, taxes can erode your nest egg over time if left unchecked. We use a variety of techniques to help you reduce tax friction within your portfolio:

  • Active tax-loss harvesting when possible.

  • Asset Location – Keep high-tax investments in retirement accounts where they grow tax-deferred. Non-IRA accounts should potentially hold lower-tax investments.

 

Systematic Rebalancing: Periodically rebalancing your portfolio back to its target mix between stocks, bonds, and other assets as the market moves through different cycles helps to keep your asset allocation in line with your goals and your tolerance for risk.

Asset allocation and diversification do not ensure a profit or protect against loss.