Investment Strategies

We tailor each client’s investment strategy because everyone is different and there’s no one size fits all approach.  Through years of research, we have created dynamic investment strategies which we believe will build greater wealth with less volatility.  What further separates us from our competition is our risk management.  If a client is comfortable being aggressive, we view this as a speed limit only to be reached in optimal environments.  This is very non-consensus from other firms that maintain the same portfolios for clients regardless of market conditions.  What that means to our clients is comfort knowing their portfolio aligns with their objectives and they don’t have to worry about what’s happening in the markets each day.

We believe the following factors are critical to investment success:

Understanding Risk

We have a mission, job and a duty to execute that mission on behalf of clients.  While we take risks, we do everything we can to mitigate them.  To accomplish this, we utilize technology that helps pinpoint our clients acceptable level of risk (AKA volatility) in the form of a number from 1-99.  We commonly refer to this number as your speed limit.  If a clients speed limit is 80, we only drive this fast when optimal conditions are present.  The speed of the portfolio is dictated by market conditions, valuations, macro-economic data, volatility, volume and a variety of other factors.  The way we view risk tolerance and portfolio construction is thereby dynamic and a key differentiator compared to other wealth management and brokerage firms.

Asset allocation

Asset allocation together accounts for 100% or more of diversified portfolio returns due to the negative effects of transaction costs and tax consequences for market timing. What asset classes you own (or don’t own) and in what percentage relative to one another will determine your investment returns each year.

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This chart shows why being tax efficient is a must not a should.  We believe it’s not just what you earn, it’s what you get to keep that matters. We employ a variety of tactics to help reduce the tax burden from our investment strategies.

Emotional decisions

Numerous studies have been conducted on investor behavior and one of the most agreed upon mistakes that most people make is acting irrationally and emotionally at times which are historically the worst. Meaning, most investors are buying at market peaks and selling at market lows. By maintaining a consistent approach, we are able to avoid this common mistake that keeps a lot of investors from earning reasonable returns.


By rebalancing, you can reduce the risk within your portfolio that inevitable grows over time. If you start with a portfolio of 50% stocks and 50% bonds, in 5 years time your stock portfolio may have grown to be over 80% of your portfolio. The risk in a portfolio of 80% stocks is different from a portfolio with only 50% stocks.

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Most investors are unaware of the fees they are paying to their advisors as well as to the underlying investments such as mutual funds, ETF’s, etc.  We provide transparency so our clients know what they’re paying at all times.

Investment Strategy Design

The factors and strategies utilized in creating dynamically tailored investment strategies for our clients are as follows:

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