Investment Management

Our investment strategy follows rules:

  1. Keep expenses low.
  2. Passive index investing lowers risk and takes advantages of long-term gains in the stock market.
  3. Diversification across asset classes is essential, as the performance of individual asset classes varies in different economic environments.
  4. Rebalancing periodically allows for sale of asset classes that have appreciated above the target (i.e. sell high) and purchase of investments that have fallen below the target (i.e. buy low). 
  5. Investing on emotions often leads to mistakes.
  6. The pain of losing money is greater than the satisfaction of making money.

The result is:

  1. We use exchange-traded Funds (ETF’s) and index funds which are low-expense, tax-efficient vehicles (and often have no transaction fee).
  2. We are an approved Dimensional Fund Advisors investment management firm.  We use their low-cost index funds in many asset classes.
  3. When available and appropriate we use individual bond ladders that are cost-efficient, hedge against interest rate changes, and provide a steady income stream for those clients where income and safety of principal is important.
  4. Each client has an investment plan tailored to individual goals and risk tolerance.
  5. We manage both discretionary and nondiscretionary assets.
  6. We believe in taking only the risk necessary to achieve your investment goals.
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