Investment Philosophy

Take No More Risk Than Needed

Everyone wants a positive investment experience. Avoiding unnecessary risk is crucial to work towards this desire. Placing an emphasis on downside protection, we construct portfolios for risk-conscious investors with the goal of pursuing a desired rate of return while aiming to reduce volatility. Whether you are accumulating or drawing from assets, aligning your goals with the characteristics of a portfolio helps to maintain discipline given the unpredictability of short-term performance.

Disciplined Diversification

Our approach is guided by the belief that asset class diversification is the primary determinant of portfolio volatility. We measure the performance, volatility and correlation characteristics of multiple asset classes, combining them in varying proportions to create a diversified portfolio intended to work towards a desired rate of return while attempting to minimize the amount of risk for that level of return. 

Actively Managed, Individually Delivered

We carefully select and monitor the investment vehicles used to provide asset class exposure in our portfolios. We acquire these asset classes as inexpensively as possible. In addition to traditional equity and fixed income, we include alternative asset classes when we feel it appropriate to reduce volatility.

We are affiliated with LPL Financial—one of the nation’s largest independent broker-dealers*, an RIA custodian, and an independent consultant to retirement plans.

* As reported by Financial Planning magazine, June 1996-2013, based on total revenue.