Investment Management

Your retirement portfolio is carefully designed to help you invest better. We aim to help retirement investors reduce risk, improve returns, and create a reliable income stream.

There are four key principles we follow to help protect your nest egg:

1.) Globally diversify with low-cost funds.

The data is clear. Keep costs low and let the market do the work for you. According to research by Morningstar, the best predictor of future returns is the cost of your investments.

When we invest, want to own the total market on a global basis, with investments that work well when invested together in a diversified portfolio.

2.) You do not have to beat the market to be a successful investor.

Portfolios should be expected to deliver returns in line with the market based on your asset allocation.

3.) Commit to following long-term investment policies.

Warren Buffett says his favorite holding period is forever. We agree.

Every time an investment is bought or sold (i.e "turned over"), costs are incurred. Costs eat away at your investment returns. To protect your investment returns and mitigate taxes, we target investments with low turnover.

4.) Be mindful of the effects of taxes.

Unfortunately, taxes are likely your biggest cost. Qualified dividends and long-term capital gains have preferential tax treatment. Actively trading portfolio can create massive tax drag and lower returns. Your investment portfolios are invested for long-term tax efficiency, so you keep more of what you earn.