Looking for a better investment experience?
A clever investor once said, “Investing is simple, but that does not make it easy.”
As an investment advisor, we have certain core beliefs.
- First, successful investing requires a long-term outlook, persistence, and patience during market stress.
- Second, keeping costs low will give you the potential to achieve higher returns.
- Third, delivering a better investment experience requires a philosophy led by prudence and an evidence based investment style.
- Fourth, working with a fiduciary investment advisor at an RIA is the best way to ensure your advisor is putting you first.
Below, you will find a description of our investment process. These steps are used to build and maintain our client’s accounts.
In addition, you can view our investment philosophy to learn more about the research and data behind our approach.
Investment Process
We work with you to build an Investment Policy Statement (IPS). The IPS helps us outline and understand your risk preferences and income requirements. This will enable us to build a portfolio strategy that meets your needs.
Asset Allocation
First, the most significant part of the investment management process is asset allocation. This involves targeting a percentage of your portfolio to be invested in the three major asset classes: equities (stocks), fixed income (bonds), and cash. Generally, these targets are based on your age, risk tolerance and income requirements.
Diversification
Next, your portfolio strategy is further developed by allocating within asset classes to various sectors. This ensures proper diversification. Examples within the equity asset class include the following: value, growth, middle capitalization, small capitalization, international, and emerging markets.
Solutions
After diversification, we apply your portfolio strategy. This will involve using various investment vehicles to create a prudent and well-diversified portfolio. As always, our portfolio construction process aims to build portfolios that keep costs low and target well researched investment strategies.
Portfolio Review
Lastly, we will continue to adjust. Financial markets are dynamic and investment portfolios can become out of balance. Therefore, we may affect small changes in the portfolio within the context of the IPS. This may involve portfolio rebalancing back to the target asset allocation. Further, there may be subtle changes among sectors.
