As with every investor, we had to begin somewhere. It was this beginning that ultimately led us to the principles and beliefs that now guide our investing approach, as well as how we perceive the markets.


Investment Philosophy

How we see the market

We see the market as a strong and efficient platform that facilitates the buying and selling of securities by individuals, corporations, pension funds, institutions, and governments to direct resources toward their desired outcomes.
As consumers, we want various products and services. In a capitalistic society, companies strive to meet our needs and preferences. The ones that offer what we want and do so effectively with good management and innovation stay in business, while those that don't go out of business.
Peter Lynch famously said, "In the end, superior companies will succeed and mediocre companies will fail, and investors in each will be rewarded accordingly."
We have faith in the market's ability to function properly. Our primary investment goal is to leverage the power of the markets and allow them to do what they do best - create wealth. We believe in capitalism and that investors can capitalize on the market's growth potential over time to build and enhance their personal wealth.

Investment managers vs. a CERTIFIED FINANCIAL PLANNER™

It is important to note that a money manager and a financial planner have different focuses. A money manager solely concentrates on managing investments, while a financial planner does both by incorporating asset management in the planning process. Financial planners may also utilize money managers to help manage mutual funds, ETFs, and other managed products.
This difference is significant because it enables financial planners to take a holistic approach when evaluating goals and objectives. By considering the whole picture, financial planners can provide comprehensive advice that covers all aspects of your financial situation. It's crucial not to overlook this distinction when seeking financial guidance.

How we invest in the market

It's common for companies to claim that they can predict the market, but research has shown that this approach typically doesn't result in profitable returns. To achieve long-term success, it's crucial to have a disciplined strategy and employ effective methods when investing in the markets. 

Our investment philosophy revolves around this concept, where we aim to maximize our client's capital by utilizing the power of markets rather than attempting to forecast their direction. We believe that trying to predict the markets can lead to negative outcomes, and therefore, we prioritize a more dependable approach.

Evidence shows

When it comes to investing, some people aim to do better than the market by selecting individual stocks and timing their trades or by getting in and out of the market during good and bad times. However, research has found that actively managed funds often do not perform as well as expected over extended periods of time. 
A yearly report by Dimensional Fund Advisors called "The Fund Landscape" reveals that many funds fail to survive and outperform after 10, 15, or 20 years. The report also demonstrates that a fund's past performance is not a reliable indicator of its future success. In fact, even funds that perform exceptionally well in the short term are unlikely to maintain their ranking over the long run.

The good news

Investing doesn't have to be a zero-sum game where one investor wins at the expense of another. After all, why bother investing if that were the case? The reality is that markets are highly competitive, and it's unlikely for any single investor to outsmart the collective wisdom of all others consistently.

As an investor, you may be happy to hear that academic research has identified where reliable long-term returns come from, so you can use this knowledge to your advantage. It also indicates that over time, those who invest their capital and take on risk are rewarded by the markets. This is contrary to the belief that there must be a loser for there to be a winner.

This is where we come in

Our focus is on the things that we can control. Our process starts with an assessment of each client's individual needs, goals, risk tolerance, and attitude. We then diversify investments across various asset classes while mindful of cost efficiency and tax optimization.

Finally, to help clients achieve their goals and objectives, we collaborate with them throughout their journey, generally semi-annually but maybe more often if needed because we want to be available when they need us most. To provide guidance and help maintain a strong sense of discipline.

This multifaceted approach helps clients maximize their share of returns and increases the likelihood of achieving their objectives and having a good investment experience.

No one person is smarter than the market

Each day, the markets process millions of trades between buyers and sellers. These trades reflect real-time information—news, expectations, etc., into prices.

Focus on creating wealth 

The markets reward long-term investors. Investing in the market presupposes that your investment will grow and historically, the markets have provided growth of wealth in excess of inflation. 

Be diversified 

Holding securities across many industries and across the globe can help decrease market risk. 

People are not cats

Cats that chase their tails are having fun, and it's harmless. But investors that chase past performance often have a negative investment experience.

Embrace the market

Investing can be scary when done wrong, but when done right, it can be very rewarding. 

Achieve success

Dimensional Fund Advisors (DFA) is one of the primary investment companies we use in client accounts. They pioneered the implementation of an evidence-based academic framework and have done so for over 40 years. Because of their work, you can benefit. And we are here to help.

Let our investment approach and sound planning strategies help you grow and manage your wealth.

Partner with us for a better investment and planning experience