Our Philosophy on Investing
We respect that you have worked hard for your money and that you want to work with an investment advisor who is competent, caring, and ethical. We know that the return of your money is just as important as the return on your money. By law, we can’t promise a specific investment return, but we can promise you that we will always make the time to thoughtfully invest your money with the respect that every penny counts. We believe that all great relationships are based on TRUST. We have worked extremely hard for over two decades to build a firm that is highly respected and trusted by our clients and community.
We know that no one can time the market or pick winning investments consistently. We know that diversification in various investment asset classes (such as U.S. and international stocks, bonds, real estate, and cash instruments) is a very prudent form of investing for long-term growth and preservation of capital. Also, chasing after prior year investment returns, following the advice of investment gurus, or selecting investments named in the media’s top ten lists has often proved to be an inconsistent and ineffective way to accomplish your long-term investment goals.
We know that constantly buying and selling investments may not be in your best interest. We also know that fear and greed are the two worst enemies of investors. Irrational emotions usually cause irrational investment behavior. We invest your money with a long-term perspective based on an academic and disciplined approach called Modern Portfolio Theory (MPT). The focus of MPT is to achieve long-term market rates of return with less volatility. Also, minimizing the constant buying and selling of investments in a portfolio helps reduce transaction costs which positively affect your investment returns over the long run.
We know that investment portfolios need to be reviewed and rebalanced to minimize volatility and help you stay on track toward your financial goals. All investments portfolios are aligned to make sure that they help support your preferred future. We carefully review your investment portfolio and rebalance it every quarter.
We only work with investment and custodial firms that have a history of being recognized as one of the best in their industry. We work with Dimensional Fund Advisors, one of the most respected and admired investments management firms in the United States. We also hold all of our clients assets at Charles Schwab & Co. Our firm has been in business since 1990 and is consistently recognized by our profession as one of the best wealth planning firms in the industry.
"Good fortune is what happens when opportunity meets with planning"
Thomas Alva Edison