Our Investment Philosophy

We implement buy-and-hold strategies that provide clients with low cost, tax-efficient, broadly-diversified global investment portfolios.

Pundits like to make predictions, but no one really knows when any one market sector will out-perform others.  Studies of investor behavior have shown that investors who attempt to act on such predictions tend to misjudge and make poorly-timed decisions leading them to under-perform the S&P 500 by anywhere from 3% to 9% annually.

We reject speculation and we do not chase the latest fads in the financial markets.  It is impossible to predict the future and diversification is the only reliable antidote to uncertainty.  Academic research repeatedly confirms that to minimize investment risk and provide the most consistent returns, investors should have low cost, well-diversified portfolios.

We take the emotion out of investing.  We maintain our clients’ strategic asset allocations through disciplined rebalancing in times of market fluctuation.  We use tax-loss harvesting strategies, when appropriate, to enable you to keep more of your money.