INDIVIDUALIZED RISK assessment
We will start by determining how much risk you are willing to take and how much risk you need to take for you to acheive your investing goals. A better investment experience begins with an acceptance of how your portfolio will perform through the next crisis or bear market.
QUALITY INVESTMENTS THAT WILL ENDURE
We will build your portfolio out of funds that have the endurance to do something special over the next 20-30 years. For managed accounts, that means using Dimensional Funds as well as other institutional funds that provide best-in-class portfolios.
For do-it-yourself accounts that means helping you examine the durability of your investments so that you can have a high degree of confidence in your long-term success. There are some outstanding investments available. The challenge is finding diamonds among so many ordinary rocks. Index funds and ETFs are excellent tools for most investors to gain consistent exposure to stocks and bonds. American Funds, formerly only available through advisors, are also excellent choices for investors.
BROAD COVERAGE THAT DOESN'T GAMBLE
Most investors are betting on some particular style or size of company without realizing it. We would rather that you take a neutral approach to market cap and investment style for the most part. That means having a healthy exposure to small and mid-sized companies rather than too much concentration in large companies. Most long-term research points to the benefit of emphasizing value stocks a bit more than growth stocks, but wise investors maintain exposure to both.
A BEAR MARKET SOLUTION WITHOUT MARKET TIMING
Investors can sometimes feel helpless during a bear market if they do not get out. The truth is, bear markets present a great opportunity to investors who have the correct amount of risk in their portfolio. Rather than getting out, investors should be looking to add additional stock exposure when markets fall to certain levels.
CONFIDENCE IS KEY
A confident investor believes that markets deliver good results to patient investors. Sometimes a person may be fooled by the financial media or a bad experience into believing that markets are unreliable. However, nothing could be further from the truth. Stock markets have overcome poor economic policies, global conflict, and many other obstacles to deliver solid returns to investors over and over again.