Our fee-only structure of compensation means we only succeed when we put your best interests first.
We don’t benefit from selling financial products. This allows us to focus our efforts on analyzing your investment portfolio as a whole and providing recommendations that are based on what you want your money to accomplish rather than commission-based transactions. This also gives you a wider array of investment options, most with substantially lower acquisition and ownership costs.
Our investment management philosophy includes:
- We believe in strategic asset allocation which is based on periodic rebalancing of your portfolio in order to maintain a mix of equities (stocks) and fixed income (bonds) investments that reflects your risk tolerance, asset category performance, and changes in your goals.
- We recommend broadly diversified portfolios built with no-load mutual funds, lower-cost exchange traded portfolios, and alternative investments when appropriate. Studies* show that investments with lower internal expenses, on average, out-perform their category averages.
- We implement tax efficiency strategies in every client’s portfolio to the greatest extent possible, and regularly utilize tax gain/loss harvesting tactics and asset location planning to lower the amount of taxes our clients pay on portfolio gains.
*Source: Standard & Poor's