Investment Planning & Management

When reviewing clients investment portfolios, we focus on developing a technically sound and tax-efficient portfolio to accomplish your goals, while taking on the least amount of risk possible. We create a personalized Investment Policy Statement (IPS) for each client that acts as a blueprint on how your money should be managed; and furthermore holds those who manage your money accountable. When designing portfolios for clients we make certain we answer three fundamental questions:

Are you being adequately compensated for the risk you are taking?
Does your portfolio give you a high probability of success relative to your goals?
Are you exposed to any catastrophic risks?

While managing your portfolio, we utilize some of the following philosophies:

Make a habit of investing regularly

“Systematic investing will pay off ultimately, provided that it is adhered to conscientiously and courageously under all market conditions.” Ben Graham, Father of Value Investing

“What it takes to move forward is perspective, solid planning, and a bit of courage.” Our Philosophy

Don’t try to time the market

“Far more money has been lost by investors trying to anticipate corrections, than lost in the corrections themselves.” Peter Lynch, Legendary Investor and Author

“History has shown us that patient investors have been rewarded; impatient sellers have not.” Our Philosophy

Markets fluctuate. Stay the course.

“Individuals who cannot master their emotions are ill-suited to profit from the investment process.” Ben Graham, Father of Value Investing

“As mathematically-based stewards of wealth, we prefer to make important decisions with the TV turned off.” Our Philosophy

A market correction is an opportunity

“A market downturn doesn’t bother us. It is an opportunity to increase our ownership of great companies with great management at great prices.” Warren Buffett, Chairman, Berkshire Hathaway

“Macro-economics, taxes, and politics are important. But we also know what is important to you. This is the power of informed, disciplined advice.” Our Philosophy

Equities have built wealth despite crises

“History provides crucial insight regarding market crises: they are inevitable, painful, and ultimately surmountable.” Shelby M.C. Davis, Legendary Investor

“We cannot alter the inevitable events and market reactions to them. We can work to understand your unique situation and carefully examine your goals. Then, we can construct mathematically-informed portfolios designed to help grow and protect your assets. That is the value of advice and our commitment to you. We take it seriously.” Our Philosophy

Coping with volatile markets

“During times of extreme uncertainty, it is tempting to listen to those with extreme positions and shrill voices. Our commitment is instead to use prudence and mathematical principles to help build your future.” Our Philosophy

“We design these portfolios using mathematical principles and discipline in advance of market volatility, not in response to it. It is during times like these that solid principles demonstrate their value.” Our Philosophy

Sound investment principles can help you through any market.

In summary, we Plan for the Long-Term…

Manage for the Mid-Term…

And do not React to the Short-Term!