Investment Management

Investments are important and should be integrated into the rest of your financial plan.

Our investment philosophy is strategic and long term by design. It is based on math and evidence instead of TV pundit “predictions” or whatever Wall Street is trying to sell.


Investor returns are often different from the funds they invest in. This is called the “behavior gap” and working with an advisor can improve it.

Areas we cover

Did you know? Vanguard published a white paper that calculated the value of an advisor to be about 3% in net returns.  The actual value received obviously depends on your unique circumstances, but areas include:

Appropriate Asset Allocation
Asset Location
Withdrawal strategy

Our Investment Philosophy:

Focusing on the investor means focusing on what we can control:

Asset Allocation

This is probably the most important investment decision you will make. To decide your asset allocation, we factor in your spending goals, time horizon and risk willingness.*


Once we decide your Asset Allocation, we need to diversify within asset classes to reduce exposure to risks associated with certain companies, sectors, company size, style, geography, credit quality, bond maturity. This broad, global exposure can enhance risk-adjusted returns.


According to Morningstar research, the expense ratio (cost) is the most proven predictor of future fund returns. This is one reason we use broadly diversified and low-cost index funds. Another reason is because of the difficulty in choosing funds that outperform its index.


Rebalancing is how we maintain the Asset Allocation target, which makes sense considering how important the Asset Allocation is. Rebalancing between asset classes manages risk and rebalancing within asset classes can enhance returns by buying low and selling high on a relative basis.


Taxes are one of the largest expenses we face in retirement so it makes sense to focus on after-tax returns. Having a strategic withdrawal plan is one way, but other strategies include: Roth conversions, asset location, tax-loss and tax-gain harvesting and tax-efficient funds.

*Ibbotson, Roger and Paul Kaplan, “Does Asset Allocation Policy Explain 40, 90 or 100 Percent of Performance?” Financial Analysts Journal 2000 56,1

Our Pricing

The cost is between 0.7%-1% of the assets we manage for you. While there are no asset minimums, there will generally be a minimum annual fee for Ongoing Financial Planning, which is offset by any investment fees.  For example, let’s say a client has a planning fee of $5k.  If this client has over $500k managed, they will not pay any additional fee for financial planning.  A client with $400k managed would pay $1k to equal the planning fee.

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