Broker Check

Structured For Success

Discovery

We begin with a casual get-to-know-you meeting or phone call. No two investors are alike, so we want to understand everything about your long-term financial goals, your investment resources, and your previous financial experiences. This helps us to determine if and how we can help you.

But getting to know you is just part of the process. We also want to share with you fundamental, time-tested principles about how to invest better and make smarter decisions with your wealth. We’ll outline the reasons why traditional investment approaches—active management and market timing—don’t work. We’ll share with you the considerable hidden costs that investors pay due to bad behavior—performance chasing and panic-induced selling. And we will help you to better understand the long-term relationship between risk and return and how it affects investment returns.

Planning

In a follow-up meeting or series of meetings, we will share with you specific financial planning actions and a customized investment plan that takes into account the goals that you articulated to us, your current and future investments, and employs the investing principles that we reviewed in our initial conversations.

We spend whatever time necessary making sure that prospective clients fully understand our investment philosophy, our specific financial recommendations, and how the plan will impact all aspects of their wealth, from long-term appreciation to cash flow, to taxes and the potential estate and legacy impact. We want to make sure you feel well informed and confident about our proposed direction before we begin to work together.

Relationship

Once our relationship begins, we manage all aspects of the implementation and investment process starting with account consolidation. We will rebalance your portfolio periodically to maintain the structure and integrity of the original plan, always with a focus on minimizing ongoing expenses and taxable distributions so that you can keep more of your returns. By delegating the heavy lifting to us, you are free from the mundane aspects of investing and have more time to focus on and review your financial progress. We provide detailed quarterly reports with performance summaries and an assessment of the portfolio’s current allocation compared to its policy. We discuss these insights regularly with you and evaluate any changes if they need to take place, and we continually address any financial planning issues that may arise.

But monitoring the plan and managing the portfolio is just part of our responsibility. We understand most people have a difficult time sticking with their investments, falling prey to the fear-and-greed cycles inherent in markets. Through periodic conversations and our monthly Factors In Focus newsletter, we aim to provide our clients better insight into the behavior of their wealth and how our long-term investment philosophy and principles are affected by current events. Over time, we expect these efforts to result in more confident and disciplined clients who have much greater peace of mind about their financial future with measurably better outcomes.