We believe simple beats complex. Complex problems such as the financial planning don’t require complex solutions to succeed. Simple does not mean easy or thoughtless. A simple approach just requires more work up front to build in the right approach, process, and plan. Successful long-term goal based investing can be accomplished through a straight-forward, uncomplicated, efficient investment program.

We believe asset allocation trumps stock-picking and a constant search for market outperformance. We believe that successful investing is about time, not timing. We build diversified, low-cost portfolios across asset classes, market caps, and risk factors using a behaviorally aware investment methodology. The focus is on getting the most out of your resources and reaching your goals. While most investment advisors focus exclusively on “beating the market” we feel the most important tenets of goal based investment process are portfolio construction and risk management.

We believe you must invest in the markets as they are, not as you wish them to be. Risk and return are attached at the hip so no matter how you invest, risk never completely goes away. It’s our job to help clients gain exposure to those areas where they are being paid to take risk.