Our Investing Principles

When choosing a financial advisor, sharing a common set of principles and beliefs is critical to a successful relationship. As such, below are our investing principles for your review.

Purpose ➡ Plan ➡ Portfolio

Before establishing a portfolio, the initial focus of our conversations will be to understand your purpose (and goals) for investing. Next, we will develop a financial plan that will then guide the development of a portfolio in pursuit of your purpose with each of the following principles in mind. See our Financial Planning Principles.

We Align Your Investments with Your Time Horizon

We believe that owning a diversified portfolio of long-term investments for your long-term objectives and short-term investments for short-term objectives will offer the highest probability of helping you achieve your goals. This alignment of investments may seem simple, but it is a time-tested strategy designed for investing success through all market environments.

We Stay the Course

Volatility is a natural part of investing for the long term, and all investments involve some risk. However, historically speaking, it’s clear that investing is much more about time in the market than timing the market (i.e., the best portfolio in the world will not work if you can’t stick with it.) As such, we do not chase performance or fads, nor do we react to the latest market catastrophe, as those actions invariably introduce new, unnecessary risks to your financial plan. If your portfolio is aligned with your goals and time horizon, there should be few causes for change regardless of the news or fads of the moment.

We Prepare, We Don’t Predict

Because we expect bear markets (we just don’t know the timing of them), we purposefully prepare both mentally and financially for whatever may come next through relevant ongoing communication and easy-to-understand financial strategies so you can feel comfortable standing by your plan during stressful times.

We Manage and Minimize Expenses

We believe that a diversified portfolio of low-cost funds and ETFs will serve you best in the long run. Additionally, taxes and transaction costs can cause a significant drag on performance, so we seek to minimize these expenses wherever prudent and possible.

We Follow Our Own Advice

As the steward of many of our clients’ complete financial lives, we follow the same investment principles for our own finances.

We sincerely hope that through our collaborative planning and principles-based investing philosophy, you will feel encouraged to tune out the media and enjoy life a little more.

Neither asset allocation nor diversification guarantees against investment loss. All investments and investment strategies involve risk, including loss of principal. Past performance of any security or strategy is no guarantee or indication of future results or performance. Market conditions change continuously.

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