Our investment approach is based on principles firmly rooted in professional and academic research and uses a structured process to help clients establish and achieve goals. Whether for an individual or institution, we apply the same four step process of evaluation, analysis, implementation and monitoring. Please see our white paper, Investment Management Process.
Our approach differs from most investment advisers. We do not attempt to pick stocks or time the market, and we do not pick managers who attempt to do so, as we are convinced by evidence that active management is not cost effective. We expose our clients to carefully selected segments of the capital markets by recommending asset class funds in combinations structured to meet the client's goals for risk and return. Please see our white paper, What Do We Do?
For individuals we pay particular attention to the tax consequences of investments and customize strategies for taxable accounts and retirement and other tax exempt accounts, based on recent academic literature documenting techniques for maximizing after tax investment results. Please see our white paper, Individual Investment Management Strategy.
