Our investment philosophy is to “Control the Controllable.” By focusing on the controllable aspects of portfolio structure – risk, diversification, costs, tax efficiency, and behavior – we believe we set our clients up to benefit from the asymmetric positive rewards that accrue to investors that are willing to take investment risks. By focusing on our client’s financial planning needs and aligning them with portfolios that are less likely to make them “panic” during downtimes, we believe we further enhance the probability of capturing the rewards of investing over time.

We aim to produce an investment experience that delivers a high probability of financial planning success while allowing the client to remain comfortable and committed to their long-term investment strategy. We strive to find the proper mix of investments, so the overall strategic asset allocation is aligned with each client’s:

• Risk Capacity, which is their ability to handle investment risk given the strength/weaknesses of their financial plan, and their;

• Risk Tolerance, which reflects the clients’ willingness to accept volatility and short-term portfolio drawdowns in exchange for the positive long-term expected returns that markets will deliver over time.