Making Sound Decisions
With an Enlightened Compass
Your investments reflect what is important to you and color your unique portfolio. With your best interest in mind, our philosophy is the fundamental guiding light to keep investment decisions on track.
We Believe In...
The Natural Efficiency of Markets
Financial markets are highly and naturally efficient, as shown in the work of Nobel Prize-winning economist Eugene Fama. By utilizing research from experts in the field, you can have a cost-efficient portfolio that captures more of the upside potential – while protecting your portfolio from downside risks.
Preparing Rather Than Predicting
Research has shown the difficulty in outguessing the market consistently over the long-term. We prefer to focus on what we can control. Preparing you with education, rather than dazzling you with predictions, is a more fruitful endeavor than trying to be one step ahead.
Customized Investing Over Speculating
The world of finance is filled with noise that promotes speculation, not investing. By placing an emphasis on individualized planning rather than following the next “best” investment idea, your portfolio represents what is most important to you. Your long-term goals are the focus – we don’t roll the dice on speculation.
Does Our Investment Philosophy Mirror Yours?
DO YOU KNOW THE DIFFERENCE BETWEEN RISK CAPACITY AND RISK PREFERENCE?
See How We Use Intelligent Risk Tools To Help Our Clients
Go Beyond The Traditional Approach
Our questionnaire goes beyond simply measuring your tolerance for loss to consider the factors that truly make each individual unique including: goals/time horizon, career stability, industry exposure, health and related risks, local cost of living and income potential, and more.
Understand Your Portfolio Risk
The proprietary Totum Risk Metric measures potential downside. Once calculated, using portfolio returns back to 2000, the portfolio Risk Metric is mapped to a Totum Portfolio Risk Score ranging from 1-99 with descriptors from “Defensive” to “Levered”.
Change Is Normal
On average a household experiences one life event a year. We understand this requires flexibility as well as a custom solution for each client. We also think it is important to distinguish between your Risk Capacity, or how much risk you can afford to take, vs. your Risk Preference, or how much risk you want to take.