Investment Philosophy

We strive to put our clients’ interest first in all we do by investing to meet the personalized goals of each client. Focusing on both risk and return, we allocate our portfolios based on a strategic long-term approach. We believe adhering to a disciplined, diversified investment strategy is the best way to reach your goals. Below is a guideline of how we walk clients through our investment process.

  • Gather Data (including goals): We first seek to understand your financial situation by gathering qualitative and quantitative data. This includes understanding your goals, time horizon, risk tolerance, and behavioral responses to portfolio risk and return. Both your short and long-term goals are necessary for us to properly structure a portfolio unique to you
  • Evaluate: After obtaining data, we evaluate your financial situation. Does your current portfolio match your goals? Are you taking too much risk? Is there an asset class or sector of the economy that you are over or under-exposed to? These are the types of questions we consider together.
  • Develop Recommendations: Next, we determine your optimal asset allocation. We look at this from both an individual account perspective and an entire portfolio perspective. Your asset allocation is based on thorough research, the changing economic environment, and tax considerations.
  • Implement: We consider tax implications and expenses as we implement our collaborative strategy. We use proven portfolio managers who control costs and invest personally in their funds. As an independent firm, we have access to a wide range of companies while not having any proprietary products.
  • Monitor: We review your investments, the economic environment, and the political landscape on a regular and consistent basis while making sure your investments continue to align with your goals. We consider portfolio rebalancing an important piece of a disciplined strategy.

Our Fiduciary Approach

We take our responsibility as financial planners seriously. As such, we use the following approach (developed by Fi360) to ensure we are acting in your best interest.

  • Know Standards, Laws, and Trust Provisions
  • Diversify Assets
  • Prepare Investment Policy Statements (IPS)
  • Use Prudent Experts and Document Due Diligence
  • Control & Account for Investment Expenses
  • Monitor the Activities of Prudent Experts
  • Avoid Conflicts of Interest