Our investment philosophy maintains that an investment portfolio’s asset allocation (choice of asset classes and allocation of money across them) is a primary determinant of its long-term investment performance. Most investors understand a more broadly diversified portfolio has less risk. Many investors are surprised to learn, however, that multiple-asset-class diversification tends to simultaneously improve returns over the long run. By designing portfolios that capture the benefits of broad diversification, we help our clients pursue their financial goals with more safety.

We meaningfully involve our clients in the investment decision-making process. At each stage of the process, we explain the concepts necessary to make sound investment decisions. Our collaborative process actively guides clients through a systematic series of portfolio decisions, resulting in a customized investment strategy. This process ensures the portfolio design is a good match for the client’s risk tolerance and financial goals. It also helps them become more sophisticated, knowledgeable investors. A knowledgeable investor is more likely to avoid one of the greatest threats to long-term investment performance: abandonment of the investment strategy itself. The strategy we design together is ideally an “all-weather” one that clients will live with through changing economic climates.