Our Investment Approach
A disciplined approach to investing. A thoughtful plan for staying the course.
WHAT WE BELIEVE
10 Investment Principles
These principles guide our investment approach and help us build portfolios designed to support your long-term financial plan.
1. Your Portfolio Serves Your Financial Plan
Your investments are a means to an end. They should support your broader financial goals and life plan.
2. Don't Let Perfect Be the Enemy of Good
Waiting for the perfect moment can lead to missed opportunities. A well-designed plan today is more valuable than a perfect plan tomorrow.
3. Equities and Long-Term Risk
Stocks have historically provided the growth needed to outpace inflation, despite short-term volatility.
4. Optimism, Patience & Discipline
Successful investing requires a long-term perspective and the discipline to stay the course.
5. Buy, Hold & Rebalance
A consistent, disciplined approach can help manage risk and keep your portfolio aligned with your goals.
6. Invest When You Have The Money
Rather than trying to time the market, invest consistently when you have the financial means to do so.
7. Keep Politics Out of Your Portfolio
Markets move for many reasons. We focus on economic fundamentals, not political headlines.
8. Don't Let Taxes Drive Every Decision
Taxes are important, but they are just one factor. We consider the big picture in every decision.
9. Diversify with Multiple Strategies
A well-diversified portfolio across asset classes and strategies can help manage risk and pursue more consistent returns.
10. No Market Timing
We do not try to predict short-term market movements. Our focus is on time in the market, not timing the market.
HOW WE PUT IT INTO PRACTICE
10 Implementation & Monitoring Priorities
These steps help us implement your investment strategy and monitor your portfolio over time, so it remains aligned with your goals.
1. When Markets Drop
We stay disciplined, avoid emotional decisions, and look for opportunities within your long-term plan.
2. The Early Years Matter
Establishing a disciplined investment approach early can make a meaningful difference over time.
3. Don't Watch the Scoreboard Daily
Frequent checking can lead to unnecessary anxiety. We focus on long-term progress, not short-term noise.
4. Don't Compare Individual Accounts
Each portfolio is designed for a specific goal, time horizon and risk profile, so results will differ.
5. Annual Rebalancing
We review and rebalance your portfolio at least annually to help maintain your target allocation and manage risk.
6. Performance Reporting
You'll receive clear, comprehensive reporting so you can stay informed about your portfolio's progress.
7. Your Schwab Account
We use Charles Schwab for custodian services, giving you secure access and transparency.
8. Review Your Beneficiaries
We encourage you to review your account beneficiaries regularly, especially after major life events.
9. Tax Documents & Reporting
Schwab may issue corrected tax forms after initial delivery. We recommend waiting until mid-March before forwarding documents to your accountant to help avoid amended tax returns.
10. Planning for Every Season of Life
We align your investment strategy with your current stage of life, helping you prepare for opportunities, transitions, and future financial needs.