The investment plan is a subset of your overall financial plan and is constructed based on many factors such as your time horizon, your risk tolerance, and your goals. Our focus is to build and maintain portfolios that yield the greatest level of expected return for a given level of risk.

Be academically true with our asset classes.

Our portfolios are grounded in economic theory and backed by decades of empirical research. Our portfolio management, trading, and research teams have deep working relationships with leading financial economists and Nobel Prize winners in Economic Sciences—including Eugene Fama, Kenneth French, and Robert Merton.

Allocate your portfolios based on your risk tolerance and needs.

Regardless of which type of portfolio you choose, one of our primary objectives is to minimize the volatility of your portfolio. To reduce volatility, we apply two powerful tools to your portfolio: diversification and correlation.

Rebalance by systematically selling what is high and in-favor and buying what is underpriced and out-of-favor.

A strong belief in markets frees us to think and act differently about investing. We are not interested in speculating about what will happen in the markets next, or what will be the next hot stock pick. Our decisions are driven by science, not emotion.

Remain systematic, unemotional, and diversified – until death do us part.

It is human nature to be uncomfortable with short-term market fluctuations caused by discouraging headlines from Wall Street or the government. However, we coach our investors to stay systematic, unemotional and diversified regardless of the news of the day, month or quarter.

In the world of wealth management, financial planning is a distinct and different service apart from investment management.