We provide holistic investment advice that encompasses our clients’ total financial picture on a fee-only basis to help achieve their financial goals. As fiduciaries, we are legally obligated to act in the best interest of our clients all of the time. This duty includes providing unbiased advice that is optimal for each client’s specific situation. Our comprehensive financial and investment plan includes:
We work extensively with our clients to fully understand their priorities and investment objectives. We employ a consultative approach in formulating each client’s risk tolerance, return objectives, time horizon, and income needs. This process is critical to the value we provide as an independent investment advisor to keep our clients’ investment portfolios on track, even through periods of market volatility.
We carefully create individualized investment portfolios using low-cost, tax-efficient investments to meet our clients’ financial objectives. Each investor has his or her own risk tolerance, goals, and life circumstances that dictate the specific holdings in their portfolio. The single most important driver of returns is the asset allocation decision. There are many classes of securities, including stocks and bonds—both domestically and internationally. We base our portfolio recommendations on more than 85 years of historical risk, return, and correlation data for up to 13 different asset classes. Our recommendations typically include exchange traded funds, or ETFs, that represent each asset class and provide substantial diversification across global capital markets. Our quantitative approach to investment management helps us create optimized portfolios that meet our clients’ individual needs.
We have a strategic partnership with Charles Schwab & Co. for custody for our clients’ accounts. We manage each account and execute all trades on behalf of our clients through Charles Schwab’s trading platform. This partnership provides our clients with the knowledge that their assets are held by a third party custodian with an investment-grade credit rating and more than $1 trillion in assets under management.
We continuously work with our clients to ensure their long-term investment strategy is on track. We serve as each client’s valued, independent financial advisor and regularly communicate with each individual to assess any changes in his or her risk capacity, cash flow needs, tax planning, and long-term goals that may affect the composition of their portfolio.
On a quarterly basis, we conduct detailed performance evaluations and determine the need for any optimal rebalancing which, in effect, allows our clients to continuously buy low and sell high. We also strive to keep our clients informed of any issues on the horizon that may impact their investment plan.