Investing In Your Future

We are active managers who take a personalized approach to discover the right asset allocation strategy for you. For most of our investment management clients, the process begins with a financial planning and investment consultation to learn about you, your family, and your financial life. From this foundation, we take into account your goals and time horizon to then determine your investment direction.

Our Investment Approach

Getting to know you and what you value most is a cornerstone in allowing us to always act in your best interest. Your financial advisor will work closely with our investment team to convey your risk and return objectives. That in conjunction with our outlook on factors such as economic conditions, interest rates and valuations lead us to formulate an asset allocation strategy that seeks to maximize risk-adjusted returns.

Although we strive to make an accurate outlook, oftentimes the biggest risk to the market is the one you can’t see coming. Therefore, each portfolio is built on the value of diversification as a hedge against the risk of the unknown. We want you to understand how your money is invested and why – putting our experience, perspective, and expertise to work for you.

Removing Behavioral Bias

Decisions made around money and investing are often influenced by emotions. By entrusting an investment manager with your assets, you build a buffer around your own behavioral instincts that can hurt returns over the long run. For instance, from 2001 through 2020, the average investor has had an average annual return of 2.9% while a balanced 60/40 portfolio of US Stocks and bond would have provided a 6.4% average annual return. * Over the same timeframe, the S&P 500 averaged a 8.25% annual return. However, if you missed the 10 best days, that return was reduced to approximately 2.68%. **

While we strive to maximize your risk adjusted returns over time, we are also a key source for guidance and support through periods of market weakness or volatility. We want you to be able to sleep at night and stay invested through even the toughest of times.

*Source: JPMorgan Guide to the Markets. Average asset allocation investor return is based on an analysis by Dalbar Inc., which utilizes the net of aggregate mutual fund sales, redemptions and exchanges each month as a measure of investor behavior.
**S&P 500 Total Return Index, Source YCharts

Thoughtful Portfolio Construction

Unlike a traditional portfolio comprised of stocks and bonds, our portfolio can consist of four asset classes:

    • Equity Investments
    • Equity Alternative Investments
    • Real Estate Investments
    • Fixed Income and Bond Alternative Investments

We enjoy following and educating ourselves on the rapidly changing investment landscape, leveraging that knowledge to design diverse portfolios with the goal of delivering strong risk adjusted returns.

In addition to our most commonly used strategy, we also design portfolios focused on the following specialties:

    • Tax efficient
    • Seeks to maximize after-tax return while managing risk based on Investment Policy Statement.
    • Environmental, Social and Governance
    • Seek out high quality ESG managers whose investment approach align with our asset allocation strategy and your values
    • Faith Based
    • Match themes of our standard portfolio design but include managers that invest in alignment with your religious beliefs.
    • Limited liquidity
    • Assemble investment instruments that are less easily converted to cash, removing the liquidity premium, and enhancing return potential with lower volatility.
    • Cash alternative
    • Build portfolio options that attempt to minimize risk as close alternatives to cash but strive to still earn a positive real return.

Investing in your future

From our interactions, we know that investing can feel fun and exhilarating for some, and scary and overwhelming to others. We aim to meet you where you are and work together to build your comfort level navigating the financial markets, whether you’re an experienced investor or just getting started.

Financial & Retirement Planning

TAX PREPARATION & PLANNING

Footnotes:
IPS – Investment Policy Statement, your allocation or mix of risk to low-risk investments
Risk-adjusted return = A risk-adjusted return measures an investment’s return after taking into account the degree of risk that was taken to achieve it.
As defined by Investopedia; https://www.investopedia.com/terms/r/riskadjustedreturn.asp