We believe investment success is not about what to buy, but how to plan.
Understanding the potential consequences of different solution paths is key to making successful investment decisions.
It’s important to understand what you are doing before you invest, but asset management should also adapt to changing circumstances after you invest. We don’t tell you how to invest and what to buy, and then leave you alone. An intelligent investment process requires continuous evaluation and improvement.
We’ll guide you through the decisions you must make. We’ll answer your questions and help you understand what you’re doing.
Our primary objective is to help you avoid a bad decision-making process.
For Individuals & Families
We focus on helping our clients make prudent, rational, informed and intelligent investment decisions.
You will not hear us talk about the deal of the day or the 10 funds to own now. We give you scientifically justifiable methods designed to help increase the probability of a more successful outcome.
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.
Once you’ve decided on the overall strategy that fits your situation, we help you understand and answer critical questions:
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 learn more about how we provide guidance in these areas, click here.
Responding to changes: An Investment Policy that Adapts to You
Your 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 flexible investment policy also addresses changes in the financial industry, the global economy, and your attitude about 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.
There’s no reason to pay more than what is necessary to put your money to work, but portfolio expenses can be deeply buried and difficult to ascertain. We excel at discovering hidden costs and are adamant about reducing them.
Individuals & Families
Everything we do is driven by the best interests of our clients.
We are independent-minded. We don’t sell products. We provide advice.
We won’t ask you to choose from a handful of proprietary portfolios. Every client is different, and so is every portfolio we supervise.
Institutional Client Services
Fiduciaries have an important, legal responsibility to do things properly. The services we offer help ensure you meet this mandate successfully.
Retirement Plan Sponsor Services
Our team has professional experience with the operational aspects of a retirement plan, and the services we offer reflect their consultative acumen.