We emphasize a conservative, pension-style methodology, focusing on what can be controlled and laying a strong foundation for long-term success.
Set clear investment goals that support your plan.
Assess your risk profile, time horizon, volatility tolerance, savings rate, and cash flow needs.
Use realistic assumptions of overall long-term returns as projections.
Use account allocation and tax-effective products to optimize after-tax returns.
Minimize the costs of selected products.
Calculate your unique “cash wedge” – the cash flow you’ll require from the portfolio within the next three years.
Develop a balance of secure and growth investments that align with your investment goals.
Diversify your portfolio across asset types, geography, and investment styles.
Select and oversee best-in-class product managers with long track records of success.
Help you avoid blind spots and market timing. Results are achieved by focusing on small habits and smart choices that compound over time.
Re-evaluate changes in goals, plans, savings targets, and spending needs.