The underlying principles for sound investing are relatively straightforward. But Wall Street’s conflicting interests as well as your own behavioral traps can distract you from the essentials. We’ll help you stay on course toward your satisfactory investment experience that is …

  1. About you and your goals. We can’t control the markets, but we can manage your relationship with them.  
  2. Designed for you to participate in rather than “beat” the market. A disciplined approach helps us better manage costs and plan for expected outcomes.
  3. Informed by evidence over emotion. Markets go up and down. Reacting to current market conditions may lead to making poor investment decisions at the worst time.


The science of investing is based on five essential concepts:

  1. Markets work. Capital markets are effective at fairly pricing publicly traded securities as millions of investors buy and sell securitie every day to establish market prices.
  2. Diversification is key. Comprehensive, global asset allocation can neutralize the risks specific to individual securities.
  3. Risk and return are related. The compensation for taking increased levels of risk is the potential to earn greater returns.
  4. Portfolio structure explains performance. The asset classes that comprise a portfolio and the risk levels of those asset classes are responsible for most of the variability of portfolio returns.
  5. Cost and tax management matter. It shouldn’t cost extra to think correctly and invest appropriately.