INVESTMENT APPROACH

Our investment approach focuses on the factors that matter most to tilt the odds of future success in your favor.

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    Strategic Asset Allocation

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    Tactical Asset Allocation

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    Passive Index Funds – vs – Active Management Strategies

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    Tax Efficiency – vs – Tax Inefficiency

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    Low Cost – vs – High Cost

It is well established that asset allocation is the largest single determinant of the level of absolute returns an investor will experience over time.  Our value-based proprietary tactical asset allocation premise and discipline, which underpins our strategies, was blindly and independently back-tested over the last 15 years ending on 12/31/2015 by Ned Davis Research, Inc. (NDR).  NDR is one of the oldest and largest independent investment research firms in the country founded in 1980.  The results of these back-tests were compelling, both as to the consistency and magnitude of outperformance, relative to statically allocated neutral benchmarks comprised of indexed returns.

 

It is also well established that index funds have outperformed the vast majority of active managers over five and ten year periods, net of fees.

 

Our core wealth strategy combines our value-based proprietary tactical asset allocation discipline, together with all of the many benefits of passive indexed investing, to elevate the probability of higher net returns over time.  All with less active risks, tax efficiently, and at low cost.