If you want market outlooks (i.e., predictions), there are dozens of investment advisors in the phone book that will play into the fantasy of knowing where the market is heading. We believe market outlooks are at best, educated guesses and our clients’ money is too important to invest based on anyone’s guess.
Our disciplined investment approach is rooted in the proven and repeatable activities that build long-term wealth. We build portfolios that are tailored to each of our client’s objectives and give them the highest probability of reaching their goals.
It’s a personalized approach that cannot be replicated by a computer algorithm, or a financial advisor focused on selling products.
The most important decision you make as an investor is setting your asset allocation. On a broad level, this is the mix of stocks and bonds in your portfolio. This decision drives the expected volatility and return of your portfolio.
We spend ample time with each client establishing their personalized asset allocation target. Finding the right mix that provides the growth you need to reach your goals and the stability you need to weather market storms is our specialty.
We build each portfolio by first constructing a solid foundation, which we refer to as our Core Portfolio. Our Core Portfolios are designed to gain broad exposure to global equity markets at the lowest cost possible.
We primarily use Vanguard index mutual funds and exchange-traded funds (ETFs) as the building blocks for our core portfolio. Vanguard is the leader in providing investment vehicles that provide broad diversification with low internal costs.