Our Investment Philosophy
We believe in a highly disciplined, back tested, and objective approach to investing, providing a comprehensive framework for making investment decisions that is backed by research and data, not emotions. Markets will rise and fall but trusting our process will lead us to thoughtful outcomes, no matter the market environment.
Evidence Based Investing
Markets are incredibly complex and move daily based on a number of factors: emotion, geopolitical events, technical indicators, and the list goes on. The complex nature of markets often leads investor to believe that they need a complex portfolio to combat this. We believe that there is value in simplicity. We don’t try to pick stocks or specific bonds, and we don’t make market-timing calls. We adjust for risk tolerance and use asset allocation as building blocks for our portfolios and believe that a simple portfolio helps investors to make better investment decisions.
Value in Simplicity
Risk can come in many forms in a portfolio, and diversification is a key part of reducing that risk. With index funds, specific company and instrument risk is essentially zero, leaving portfolios with covariance risk across asset classes. Our portfolios use non-correlated asset classes to provide diversification across three major categories: equities, fixed income, and alternatives.
Asset Allocation
Trying to predict asset price moves over short-term periods is impossible, which means it would be a fools-errand to build portfolios with short-term time horizons. However, life happens in the short-term: our clients want to move houses or cities or want to renovate kitchens, and they will have cash needs in the short-term. We build portfolios that provide opportunities to enjoy retirement, but still have long-term returns as the focus.