Investment Philosophy & Policy
We Believe Investments Should Align with Purpose & Priorities
Investment selection should be driven by a client’s goals, risk tolerance, time horizon and overall financial plan. We utilize a holistic financial planning process to ensure our clients’ investments work in collaboration with all key areas of their financial plan (Retirement, Tax, Investment, Protection, Estate, and Generosity Planning). We believe that knowing and understanding the priorities and values of our clients is essential to helping them get the most life and purpose out of their wealth, and that their investments should align with these priorities and values.
We Believe in the Strength of Long-Term Investing
A long-term approach is a hallmark of successful investing. Time in the market, not timing the market, is the strategy that allows wealth to grow through compounding. We believe holding investments through volatility leads to long-term rewards, while speculative assets, day-trading, and market timing often prevent investors from achieving positive long-term returns.
We Believe Investments Should Be Broadly Diversified
Broad diversification is essential for managing risk and capturing long-term growth. Concentrating in individual stocks increases exposure to losses, so we construct portfolios using a mix of low-cost, actively managed mutual funds and passively managed ETFs or index funds. By diversifying across asset classes, sizes, styles, and geographies, clients can reduce risk and experience less portfolio volatility. While some may choose alternative assets or individual stocks, we recommend keeping the core portfolio broadly diversified.
