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Our investment philosophy is centered around passive, low-cost investments. As information becomes more readily available and public markets more efficient than ever before, it’s become increasingly difficult for active money manager’s to “beat” their respective benchmarks over full market cycles.

Millennials have decades of time to take advantage of the power of compounding through a steady, patient approach. Investing doesn’t have to be complicated or expensive.

Sweeping changes don’t need to be made every day or every month for a portfolio to perform well over the long run. Instead, we focus on what we can control, which is our reactions to market swings, coaching healthy financial habits, keeping fees low, and tracking towards your goals. In the end what matters is you’re able to live the life you want, free of financial concerns. If we’re able to achieve that, we’ve achieved our desired rate of return.

Generally, we utilize a globally diversified asset allocation while ensuring particular assets are located within their most tax-advantageous account(s). We rebalance on a periodic basis to ensure we stick to our rules based approach. We also have the ability to integrate environmental, social, and governance (ESG) rules within portfolios for investors whom wish to invest alongside their particular values. There may also be an argument for ‘better’ risk-adjusted returns over the long-term while using ESG characteristics. Finally, we have the ability to educate/advise on alternative investments for accredited investors. This may include but not limited to private equity, directly held real estate, digital assets, private lending, etc.