Investment Process

Low Cost Investing Makes Sense

No one can control investment returns but you can control the fees you pay for investing your money. By using exchange traded funds (ETFs) and passively managed mutual funds we've succeeded in building lower-cost, tax-efficient investment portfolios that help minimize risk and maximize returns. ETFs and passive mutual funds provide liquidity, diversification, and broad exposure to virtually every asset class. It's an easy decision to make once you realize the majority of actively managed funds don't outperform their benchmarks over time after accounting for fees and expenses. Compare the returns and fees of ETF’s and similar Mutual Funds to see for yourself.

Asset Allocation Matters

Asset allocation is the most important factor in designing a well diversified investment portfolio. Asset allocation is an investment strategy that balances risk and reward by apportioning a portfolio's assets according to your goals, risk tolerance and time horizon. The three main asset classes - equities, fixed-income and cash equivalents - have different levels of risk and return, so each will behave differently over time. There is no simple formula that can find the right asset allocation for every investor which is why it's important to design an investment plan tailored to your personal financial situation.

Portfolio Research & Design

When creating an investment portfolio we start by focusing on fundamental analysis. Through this process we attempt to measure the intrinsic value of asset classes based on several "big picture" factors such as industry conditions, regulatory landscapes and the global economy. Next we analyze technical factors because we believe these indicators, such as investor behavior, historical market movements and other trends have a direct relationship to the value of certain assets.

Everyone has an opinion about where markets are headed, that's why we use data and market research from several different independent sources. As a fiduciary fee-only Registered Investment Advisor we aren't paid through commissions which helps to reduce conflicts of interest with our firm. Our investment management process coupled with our fiduciary fee-only business model sets us apart from the competition.