Our process has been carefully built and refined through years of experience. We take the time to really get to know each of our clients and discover their goals and objectives. With the information our client shares with us, we study, test, analyze and develop strategies that help fit their situation. We then present our findings, and once we come to an agreement, we implement the agreed upon strategy. We will then continuously monitor the portfolio and make adjustments as necessary, such as when changes in the lives of our client, their family, the markets, or tax laws take place.
It is paramount to have a disciplined investment approach and an advisor with the experience to know how important it is to stick with it during difficult times. Utilizing our disciplined approach, we help clients make intelligent financial decisions objectively by maintaining extensive diversification and strategically rebalancing while maintaining a long-term perspective.
Our team helps you remove the emotion behind the risks in investing in order to help achieve your goals. During downturns in the market, or the death of a loved one for example, we will refer back to the plan that we built together based upon your goals in order to help you make good financial decisions.
We take several factors into consideration when building a portfolio including return, risk, and correlation expectations for the specific asset classes in our investment strategies. We take all of these facets into consideration in order to build sound investment strategies and help meet our client’s expectations.
We believe investors should broadly diversify their investments. Sustainable performance is extremely important to us, as we work to develop portfolios that will strive to outperform their benchmarks in the future.
We apply Modern Portfolio Theory as a starting point in constructing our strategic asset allocations. The Modern Portfolio Theory was originally developed by Nobel Prize Laureate Harry Markowitz in 1952. It hypothesizes the existence of an efficient frontier of optimal portfolios that offer the maximum possible expected return for a given level of risk.
Having a consistent rebalancing strategy is an important aspect of a diversified portfolio. A portfolio's allocation can change as some assets gain value and others lose value. If you let your allocation drift far enough, you may be taking more or less risk than you originally planned. Rebalancing restores the target asset mix of a diversified portfolio, allowing you to manage the level of risk in your portfolio.
Portfolio costs have a direct impact on portfolio performance; we seek to keep the total expense structure low by utilizing low cost index funds, ETFs and institutional class mutual funds when possible. We seek lower risk and expenses for investments relative to peers in their respective asset classes.
Diversification does not guarantee profit or protect against loss in declining markets. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Investing in mutual funds involves risk. The principal value and investment return will fluctuate so that your shares, when redeemed, may be worth more or less than their original cost. All investing involves risk, including the possible loss of principal.