There is more than one way to complete a financial plan and manage an investment portfolio. However, we have our own philosophy and beliefs about what works best.
Our Investing philosophy is centered around global diversification with low fee and low turnover holdings. Our portfolios are grounded on the research and published works from well-known and Nobel Prize winning scholars such as: David Booth, Eugene Fama (Nobel Prize Winner of Economics), Robert Shiller (Nobel Prize Winner of Economics) and Mebane Faber.
Financial Planning – We believe a “bottoms up” cash flow approach is the cornerstone to completing a robust comprehensive financial plan. In our opinion, these inputs provide the most accurate projections for your financial future. In general, we prefer term life insurance and stay clear of annuities. Debt can be a great tool to increase your wealth, but can also be crippling, so it should be taken on cautiously. We expect financial plans to change over time, sometimes for better and other times for worse. However, we believe by working with you along the way, we can anticipate potential challenges and proactively, not reactively, positively impact your future.
Life – While protecting your assets, reaching your goals and creating wealth are very important, above all, we think it’s most important to enjoy life. Our job is to give you the background and framework to make your own decisions, irrespective of whether you choose the financially optimal one. We work in a no judgement zone!