Investments

Our philosophy is based on time-tested academic research, not our own opinion.  We believe prudent investors should be:

  • Paid for the risks they assume,
  • Positioned for a reasonable probability of success, and
  • Protected from potentially catastrophic risks.

A successful investor:

  • uses thoughtful financial planning to drive investment decisions,
  • invests for the long-term,
  • does not time the market,
  • creates globally-diversified portfolios, the kind that have historically been shown to reduce risk and improve return, and
  • minimizes costs, taxes and turnover everywhere possible

We help achieve investment success by specializing in a cost effective approach to investing that takes the guesswork out of owning the right investment and when to be fully invested.  We take time to help you understand what you own and how the market works.