Our investment management process is clearly-defined and completely transparent. This process helps us achieve our goal of providing more consistent returns with less volatility. We carefully craft our investment solutions to help our clients diversify beyond Wall Street so they can better manage risk, while still optimizing their returns.
These are the core principles we use to help our clients reach their investment goals.
1. MATCH YOUR INVESTMENT STRATEGY WITH YOUR TIMELINE
One of the biggest risks you face in retirement is to take a significant investment loss in the accounts that you rely on for your income.
For this reason, we help our clients balance protection with long term growth, removing the impact of sudden market swings on their ability to spend. This helps you to spend more without fear, while preserving the opportunity to build long-term wealth.
2. SMARTER INVESTMENT STRATEGY
Buy and hold, or market timing? Which approach to investing is right and which will work best for you?
The truth is there is no silver bullet. Those who try to time the market, have historically underperformed it. However, simply “setting it and forgetting it” isn’t ideal either. We believe in applying a disciplined approach that finds balance between both strategies.
Our investment team actively seeks opportunities where the value presents itself, while actively rebalancing for each of our clients to ensure proper asset-allocation is maintained. This means taking advantage of market swings where appropriate, without taking unnecessary investment risk in the process.
3. ASSET LOCATION
It’s exciting to own investments that grow over time. But what happens when you sell and get a surprise tax bill? Owning the right asset classes in the right types of accounts can help to minimize your long-term tax burden. And this means you get to keep more of your hard earned money in your pocket.
Which investments are best to hold in an after-tax brokerage account? Which assets are best to be held in your tax-deferred retirement accounts? What about your Roth? Knowing these answers can potentially mean the difference in thousands of dollars of unnecessary tax.
4. DISCIPLINED DIVERSIFICATION
Most investors are familiar with the concept of diversification. “Don’t put all your eggs in one basket”.
But how much diversification is the right amount?
The majority of the portfolios that we see incorporate a mix of common investments like stocks, bonds, and cash. There’s nothing wrong with this, but the fact is these assets only represent a portion of the investment world, presenting more risk to your portfolio than you may realize or intend.
To help address this, our investment firm gives our clients access to alternative asset classes, not traditionally available to individual investors. These assets offer non-correlated diversification to stocks and bonds, and as a result help our investors to achieve more reliable long term returns, with less overall investment risk.
Consider just last March 2020, when markets went haywire and lost 30% in less than 30 days. Certain asset classes provided protection from that chaos and even helped to deliver superior returns for the year compared to the market.
As a fiduciary, our job is to help to make investment decisions that are in your best interest. This often means staying focused, blocking out distractions, and sticking to a long-term principle-based investment strategy.
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