To us, only one measure of investment success matters–your ability to fund your financial dreams.

Therefore, we believe your investment strategy should be driven by your financial planning goals. In creating your investment portfolio, rather than attempting to predict the future, we take a structured and data-driven approach backed by our investment partners’ decades of research. We are with you every step of the way to provide financial coaching as your journey evolves–here with you for any changes to your goals, markets and tax laws.

The Investment Journey to Financial Freedom

1. Financial Coaching and Mapping

   How much is enough? Bring us your goals and your values, and we will provide the steps designed to get there. By applying our knowledge and data-driven process, we will deliver a customized financial map intended to align your current resources with the lifestyle you seek today and in the future. We believe your investment strategy should be driven by your custom financial plan.

2. Behavioral Investment Counseling

   Working in tandem, we will balance the level of risk needed to meet your goals with your ability and willingness to manage risk. Once this is developed, we will create a disciplined plan designed to keep you on track to confidently meet your short and long-term financial planning goals.

3. Multi-Asset Class Diversification

   Again with your goals as a guide, we will recommend a diversified mix of equity and non-equity asset classes to balance your long-term portfolio, seeking to earn you reasonable returns over time. Short-term portfolios are utilized for distributions to mitigate risk of day to day volatility.

4. Tax-Aware Asset Allocation and Distribution Mapping

   To help grow and protect your capital, we focus on minimizing taxes by carefully balancing taxable and tax-deferred investments. We seek to do this by placing the most tax-efficient asset classes in taxable accounts, and the least efficient assets in tax-deferred accounts. Short-term portfolios are employed to provide income distributions which is intended to help you rest easy and allow your long-term portfolio to compound.

5. Opportunistic Rebalancing and Tax-Aware Trading

   Once your portfolio is implemented, we monitor asset allocations and rebalance your portfolio as we think is prudent to manage risk and leverage shifts in the markets. We also work to identify opportunities to reduce taxes.

6. Product and Manager Selection

   We use investment solutions where we have identified a higher probability of capturing market returns with low cost and high tax-efficiency. Drawing on years of research, we employ evidence-based asset class funds that pursue known factors of return, such as market, value, size, profitability, momentum, credit and term premiums, when developing portfolios.