Investment Planning

Investment philosophy.

  • Create an investment plan to fit your needs and risk tolerance
  • Buy & hold for the long term
  • Diversify globally
  • Manage expenses, turnover, and taxes
  • Passive management
  • Do not attempt to time the market
  • Stay disciplined through market dips and swings


Portfolio Review

We review how your investments are currently managed.

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Investment Management

We offer full service investment and account management services.

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Portfolio creation steps.

We build and manage investment portfolios for clients using these three steps, each designed to address changes in your life and plans.

1. Build.

Determine your objectives.  Review any holdings.  Does the current allocation match your goals?


  • Financial goals– What is this money intended for?  Retirement? A new house? College expenses?
  • Risk tolerance– Are you risk adverse or comfortable with market fluctuations?
  • Time horizon– When will you need this money?
  • Role of investment– How does this account fit into your total investment holdings and your financial planning objectives?

2. Invest.

After building your portfolio allocation, determine how to invest or rebalance your holdings.


  • Tax managed versus tax deferred accounts– Consider long or short term capital gains or losses upon selling positions to rebalance in a non-retirement account.
  • Dollar cost averaging– Consider investing your cash over a period of time instead of at once, this may reduce issues that arise with market volatility.

3. Monitor.

Once invested, periodically review and make adjustments based on new goals and life changes.


  • Stay disciplined– Remember, you are investing for the long term.
  • Look beyond the headlines– Do not let the 24 hour news cycle dictate your long term investment plans.
  • Manage your emotions– In the short term, markets go up and down.  Reacting to current market conditions may lead to making poor investment choices.

Our tips for a successful investment experience.

Do not attempt to time the market.

No one can regularly successfully time the market.

  • No one knows which market segments will outperform from year to year.
  • Research shows that most professional investors are only marginally less bad at attempting to time the market than retail investors.

The only way to receive consistent returns is to buy and hold a globally diversified portfolio and invest for long term growth.


Build a portfolio with historical less correlated asset classes.  (example: stocks versus bonds)

Diversify across:

  • stock market capitalizations (small, mid, large)
  • global regions
  • market sectors
  • varying maturities, credit qualities and durations for bond holdings

Diversification does not ensure gains or guarantee against losses but it may provide the potential to improve returns for your risk level.

Don't chase past performance.

Do not pick investments solely based on past returns.

  • Research shows that most funds in the top quartile (25%) of previous five-year returns did not maintain a top‑quartile ranking for one‑year returns in the following year.

Past performance offers little insight into a fund’s future returns.

Look beyond the headlines.

Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future while others tempt you to chase the latest investment fad.

When headlines unsettle you, consider the source and maintain a long‑term perspective.

Stay disciplined.

Build your portfolio with a long term investment objective and stay the course regardless of immediate market conditions.

  • Have a long-term investment philosophy.
  • Form a prudent asset allocation based on this philosophy.
  • Maintain this portfolio through all market conditions.
  • Don’t hold back on new investments while waiting for market clarity.

Many investors chase performance, react emotionally to market moods, and generally incur far more trading costs than good discipline would suggest.

Manage your emotions.

Avoid reactive investing.

  • Temper your enthusiasm during good times. Markets are cyclical.  Over a long period of time, your money will grow.  But during current bull runs, keep your excitement in check.
  • Stay optimistic when the market is tumbling. Consider a down market a buying opportunity not a reason to be fearful.
  • You get long term growth only if you buy and hold. The S&P’s historical return is about 10% annually.  But if you trade in and out of the market you can expect to earn much less .

Many people struggle to separate their emotions from investing. Markets go up and down. Reacting to current market conditions may lead to making poor investment decisions.

Focus on what you can control.

  • Create an investment plan to fit your needs and risk tolerance.
  • Diversify globally.
  • Manage expenses, turnover, and taxes.
  • Stay disciplined through market dips and swings.

Working with an advisor provides expertise and guidance to help you focus on actions that add value. This can lead to a better investment experience.

Financial Discipline. Freedom.

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