Our Investment Philosophy

We believe investor behavior is by far the most important determinant of investing success. Successful investors save a piece of every paycheck, invest those dollars into a diversified mix of investments, rebalance regularly and stay the course in spite of market volatility. The most important thing we do is help manage our client’s investment behavior, help them stay the course and help prevent them from making a big mistake that will sabotage their plan.

As an investor, you cannot consistently ‘beat’ the market! You can’t! Want proof?! The next time someone either directly or indirectly claims that they have a strategy to outperform the market, ask them when they made their first Billion! No seriously, if you have a process to consistently outperform the market, you have no excuse for not being a Billionaire!!

The good news is you don’t have to ‘beat’ the market consistently! In fact, you don’t ever have to ‘beat’ the market. As an investor, all you need to do is to have a goal and have a plan in place that has a high probability of achieving that goal.

We believe in index investing using low cost Exchange Traded Funds (ETFs) to access diversified global markets and rebalancing
regularly. Unexpected global events happen all the time and different sectors, markets, economies respond differently. We are broadly diversified and when our portfolios get out of balance, we rebalance by selling some of our winners and using the proceeds to buy some of our losers (buy-low-sell-high). Just because a sector or market is out of favor, it doesn’t mean we don’t like it.