For Individuals & Families

We are a team of professional investment advisors and wealth management experts who are focused on helping our clients make prudent, rational, informed and intelligent investment decisions.

You’ll never hear us talk about the deal of the day or the ten funds to own now. We give you scientifically justifiable methods designed to increase the probability of a more successful outcome.

Understanding consequences

As professional wealth managers we help you understand how the markets work, and explain the pros and cons of each investment alternative.

Our interactive risk modeling helps you test portfolio strategies before they are implemented.  WealthCaster® can show you the likelihood that a given portfolio can support a schedule of projected future distributions. To schedule a test drive, contact us.

Defining preferences

Once you’ve decided on the overall strategy that fits your situation, we help you understand and answer questions, such as:

  • How much should the portfolio distribute? When, and to whom?
  • Should distributions change in response to market fluctuations?
  • How should the portfolio be adapted to your tax situation?
  • When is it appropriate to consider changes in strategy?

We document your preferences and use them to guide us, and you, in the future supervision of your portfolio.

To see how we provide guidance in these areas, click here.

Responding to changes: Dynamic Investment Policy

Investment policy should not respond so much to market fluctuations as to changes in your life circumstances, such as marriage, retirement, inheritance, and the like. A dynamic investment policy also addresses changes in the financial industry, the global economy, and in your attitude to risk.

Any of these factors can indicate a revision to your investment policy is needed. We work to understand their implications, and advise you accordingly.

Controlling costs

There’s no reason to pay more than is necessary to put your money to work. But portfolio expenses can be deeply buried, and difficult to ascertain. We are expert at discovering hidden costs, and adamant about reducing them.

Click here to learn more about reducing investment expenses.