Our Services

Investment Management

Our investment portfolios are carefully designed to help retirement investors reduce risk, improve returns, and create a reliable income stream.

There are three key principles we follow to help protect your nest egg:

1) Keep Investment Costs Low

According to Morningstar, the cost of your underlying investments is one of the best predictors of future returns.

In other words, low-cost investments, historically, have outperformed high-cost investments.

For that reason, we build our retirement portfolios using low-cost index funds. This helps to improve the success rate of our client’s retirement plans and reduce unnecessary risk.

2) Own Tax-Efficient Investments

Warren Buffet says his favorite holding period is forever.

We agree.

While buying and holding forever isn’t practical for most retirement investors, we create portfolios with “low turnover.”

Every time an investment is bought or sold (i.e., “turned over”), costs are incurred. Not just obvious costs like transaction fees and taxes, but hidden costs like bid-ask spreads.

These costs eat away at your investment returns. So, to optimize investment returns and mitigate taxes, we intentionally own investments with low turnover.

3) Own the Right Asset Classes

Not all investments are created equal.

Just because you can invest your money into something (e.g., gold), does not mean you should!

We only invest in asset classes that:

1. Are positively supported by peer-reviewed, academic research
2. Work well when invested together in a diversified portfolio (e.g., low and/or negative correlation to each other)

For example, corporate bonds can behave like stocks during catastrophic events. That does not provide proper diversification for an investor who is in retirement.

4) Rebalance

Rebalancing is a systematic way of buying low and selling high. Research shows it enhances returns and well as controls risk.

As a fiduciary, our job is to make investment decisions that are in your best interest. This means ignoring the daily headlines and sticking with evidence-based solutions.