We believe that sound financial advice and long-term strategies will help you achieve your goals more quickly than short-term risky investments. We serve our clients best by providing “slow and steady” advice over the years.
An Evidence-Driven Approach to Wealth Management
Design | Build | Protect™
These three simple words serve as a guide to keep your values, needs, concerns and hopes at the forefront of everything – from the big picture to the smallest of details. Like most powerful ideas, it is based on a simple and logical approach.
DESIGN – Explore, understand and clarify your life and financial goals.
BUILD – Put all the wheels of your holistic financial plan in motion through extensive research and evidence-driven strategies.
PROTECT – Stay on track through continual analysis, advice and education.
In short, your advisor will work with you to discover your wealth and life goals and will construct and continually evolve an evidence-driven plan to get you there.
Tap into the resources and collective wisdom of your advisory team to co-plan and optimize your financial future.
What is Evidence-Driven Investing™?
Portfolios are designed to help you achieve your financial goals. Risky practices like trying to time the market, anticipate trends or identify mispriced investments may be highly unreliable ways to build wealth.
Instead, the Evidence-Driven Investing approach is fueled by data and over 50 years of research1, and rooted in diversification and tax-aware investments.
Evidence-Driven Portfolios Are Built on Five Pillars
Markets are highly efficient.
Billions of dollars are traded daily where buyers and sellers come together and agree on a price. Given so much competition, Evidence-Driven Investing believes the current price reflects both the latest news and the latest outlook for the investment and the economy. This approach presumes the investment’s price is the best estimate of the current value and doesn’t try to outstmart the market.
Risk and expected reward are related.
If you want the potential for more returns, you’ll need to accept more risk and likely greater fluctuations in value. Sometimes these risks pay off with more return, but sometimes they result in losses. Although adding more unique sources of risk and return can create a portfolio with steadier growth, you shouldn’t take more risk than you’re comfortable with.
Diversification is essential.
Diversification has been called the only free lunch in investing. This is because using a single stock, strategy or investment type is riskier than mixing lots of different types of investments. Holding multiple investments reduces the risk that any single investment will cause a drag on portfolio performance.
Pursue factors of returns.
Research has shown that allocating more of your portfolio to companies that share certain characteristics can increase your potential for return. Although these investments typically bring more risk, Evidence-Driven Investing portfolios are built to most efficiently allocate across multiple sources of risk — even if it means performing differently from headline indexes.
Focus on what you can control.
Don’t try to predict interest rates, anticipate the impact of government actions or outsmart other traders. Instead, focus on the areas that can be controlled — such as setting a thoughtful investment strategy and following a disciplined review process.
1 One of the earliest, most well-known papers was by William Sharpe in 1964. His paper, “Capital Asset Prices” in the Journal of Finance, described the relationship between risk and expected reward in financial markets.