Our Investment Management Philosophy
We offer holistic investment management with a low-cost, diversified approach. Our investment philosophy centers on an endowment method of matching cash flow needs over time to the type of securities best suited to each of those timeframes. We look to diversification because we know that markets are unpredictable and often volatile. Using a logical method of investing and rebalancing, we guide our clients to invest according to their individual personal goals, balancing the risk and rewards of the markets to fit their own situations.
We advocate a measured approach, generally using a combination of low-cost ETFs and a select group of actively and passively managed mutual funds. We overlay those investments with strategies to achieve optimal tax management, because the bottom line is what you get to keep in your pocket.
We provide advice for all types of securities, including mutual funds, stocks, bonds, and exchange traded funds. We also provide advice on mortgages, budgeting and cash flow issues, your current 401(k) and other retirement programs, stock options, life and disability insurance, etc. If it has to do with money and finances, we provide counseling, guidance, and resources for you. Think of us as your financial concierge.
Before we recommend any investment, we consider the current economic conditions, the outlook for that asset class or type of security, and how it fits within your portfolio given your objectives and tolerance for risk. For equity investments, we focus primarily on the philosophies, process, experience and track record of the management team. With fixed income investments, we look for the best yield available for a given quality of security and credit risk levels. As fiduciaries, we look for the most appropriate investment vehicles to meet your objectives, while being very conscious of total expenses and risk exposure.
Our asset management fee includes regular reviews in our office or via Zoom, frequent monitoring and strategic rebalancing of your portfolio, as well as an annual update on the other financial matters in your Comprehensive Financial Plan and any other issues that may arise for you.
Account Access
For the greatest level of transparency and for the utmost protection of your assets, all funds that we manage are held by an independent custodian (typically Schwab). We have no ability to draw upon any client funds held by the custodian, other than to deduct our advisory fees as per our written client agreement. We are not affiliated in any other way with Schwab.
Clients are able to see their accounts several different ways:
- Online through myWealthDashboard on our home page
- Online access directly to the custodian’s website
- By paper or email, provided directly from the custodian via monthly account statements
- Email or paper statements provided by us
