OUR APPROACH TO INVESTMENT MANAGEMENT
We believe that simplicity is a virtue.
We attempt to design investment strategies that our clients can understand. We do not encourage clients to invest
in exotic strategies or products that they do not understand.
Asset allocation decisions are based on a careful analysis of the client’s risk profile. In most cases, our approach
is conservative; we do not believe in taking unnecessary risks with our clients’ financial assets.
Investment strategies are designed for tax-efficiency and rely on index funds and exchange traded funds (ETFs)
whenever possible. We believe that holding down the client’s investment costs is one of the primary factors in
creating successful, long-term investment strategies.
Above all, we are committed to working with our clients on an on-going basis. We encourage clients to schedule
yearly reviews so that investment-planning recommendations can be re-evaluated in the light of changing circumstances. |
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INVESTING IN RETIREMENT
Although there are many investment strategies
that work well during a person’s working years, there are some fundamental dangers that must be confronted when
a person moves from accumulating wealth to making retirement withdrawals from their investment portfolio. Unfortunately,
year-to-year volatility in the stock market creates what is, in effect, negative compounding when withdrawals are
being made. We believe that controlling volatility is the single most important factor in designing a secure retirement
investment strategy for you.
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