Our decades of investment experience have allowed us to create an established list of principles that guide our investing practices. We believe following these principles will create a better investment experience and outcome for our clients.

We also feel it is wise to:

• Invest in things you understand.
• Know what you own and why it fits in your portfolio.
• Shun fancy sales pitches, media noise, and Wall Street hype.

What should you be focusing on?

What we recommend:

• Invest while keeping costs low. Costs will only drag down returns over time. Keep things like fund expenses, transaction costs, tax efficiencies, etc, in mind.
• Invest broadly and globally. There is no singular “market.” Invest across asset classes, market capitalizations, and styles. Proper diversification is key.
• Invest for the long-term. The long-term is more than a one or three-year outlook. Daily or weekly market fluctuations should not affect your decisions, behavior, or outlook.
• Invest with risk and return in mind. The risk you are taking should be compensated by the return you are receiving.
• Invest with your total portfolio in mind. Focus on the success of the overall portfolio, not on specific investments.
• Invest with a forward-looking mentality. Don’t base today’s investment decision on past performance.
• Invest with a financial plan. Investment strategy should be driven by your financial plan and serve your personal needs and goals.
• Invest with the discipline to rebalance. Rebalancing is necessary will maintain your risk profile and allow you to “buy low and sell high.”