Our Philosophy

Our investment philosophy is simple_keep it simple, low cost and tax efficient. Implement a few concepts that will allow your plan to work for you (instead of you working for your plan). One way to view your investment strategy is by breaking it down into three easy-to-visualize steps: Plan, Adjust and Relax. These three steps will help you design, implement and maintain a consistent investment plan that will help you achieve your long-term goals.


The first step is to understand your goals, objectives and risk tolerance. Next, we help you actually design a written investment plan. This plan will become your roadmap during trying times, to align your actions with your long-term objectives. Once we have defined the core of the plan, we incorporate a few basic strategies: dollar cost averaging*, diversification, and the investment theory of Efficient Market Hypothesis. This theory states that an investor will not be able to consistently beat the market long-term. Therefore, the best practice is to implement a diversified, low-cost and tax-efficient portfolio. Your written investment plan will incorporate the above elements, providing you with a roadmap to success.


Once we have implemented the plan, we schedule a quarterly check-up meeting with you to ensure that your goals, risk tolerance, and investment strategies are still aligned. During this process, we can re-balance** the portfolio as necessary to adjust the allocation, putting you back on target to achieve your goals. This process will help ensure that on average and over the long-term, your portfolio comes close to matching the market.


Your written plan and Efficient Market Hypothesis are no doubt important; however, if you are not able to enjoy your life without constant worry, your investment strategy will always be at risk. Being comfortable with your investment and risks is important, but you also need to plan for the amount of money needed during your "draw down" phase. Normally, we attempt to design a plan that outlasts your life expectancy, thereby reducing the chance that you will outlive your investments. In addition, we will project the drawdown rate and future portfolio impacts.


Over the years, we have become firm believers in implementing a written, diversified, tax-efficient and low-cost investment strategy. We have found that overly complex strategies often mean higher costs and more difficult management. That's Why we work with you to help match your risk tolerance with your investment strategy. We don't try to beat or time the market; instead, we match and invest using dollar cost averaging, and be maintain broad diversification.

* Dollar cost averaging may help reduce per share cost through continuous investment in securities regardless of fluctuating prices, and does not guarantee profitability; nor can it protect from the loss in a declining market. The investor should consider his/her ability to continue investing through periods of low price levels.

** Rebalancing can entail transaction costs and tax consequences that should be considered when determining a rebalancing strategy.

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