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Investment Management

Overview

While a large percentage of the investing world follows an active investment philosophy, our investment philosophy is passive. We believe the future is un-knowable and that investment markets are efficient. That is, that all the information about securities is known to everyone. Therefore, since the future is unknowable and markets are efficient, it’s foolish to try to predict what will happen next to a particular stock, bond, or mutual fund. That’s called active investing.

Instead, to implement a passive investment philosophy, we recommend that you follow an approach called Strategic Asset Class Investing (ACI for short). In this approach, you allocate your investments among different investment types (asset classes) in the combination that gives you the potential return and risk profile you desire.

This is not a new idea, nor did we originate it. For more than 60 years, ACI has given informed investors a way to invest that has been successful. ACI offers investors these benefits:

  1. Simple
  2. Effective
  3. Efficient
  4. Sustainable
  5. Flexible

ACI costs you less to implement which means you keep more of your investment return in your pocket instead of lining the pockets of an adviser, broker or mutual fund company

Done for You

Done For You investing means we do all the work and you sit back and watch what happens. With this approach, we use best-in-class mutual funds from Dimensional Fund Advisors (DFA) to create the portfolio that meets your needs. We make the initial purchases and rebalance the portfolio as needed.

We include all your investments in creating a portfolio: IRAs, employer-sponsored plans like a 401(k) or 403(b) plan, and taxable accounts. We charge a flat fee for our services. While you are in the distribution phase in retirement, we apply an approach to how and when money is taken out of your portfolio called “time segments.” The basic idea is that money you need sooner is invested more conservatively and money you need later in retirement is invested more aggressively. For example, we use cash for the first segment and then a bond ladder for the second segment. The third and fourth segments might be a 60/40 or even 70/30 mix of stock and bonds. If you would like to know more about our time segment approach to retirement investing, please give us a call.

What If?

• Imagine what it would be like to have an investment portfolio that is simple, efficient, effective, flexible and sustainable.
• What would it feel like to know that you’re being a smart investor and investing based on proven academic research?
• How would you like to keep more of your investing dollars and give less to your adviser and Wall Street?