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Working Strategies

We believe there are several factors that truly matter in investing. We designed our Investor Resource Center to help individuals better understand investing and the various costs involved. Please utilize our center to further your knowledge of investing:

Fees Matter

We believe very strongly that fees matter and investors should know exactly what they are paying in real dollars. High cost advisors and expensive investment products create a significant drag on investor returns. In today's low interest rate, low expected return environment, controlling costs becomes even more important.

Taxes Matter

We believe in minimizing the impact of taxes. Most investors, and a surprising number of financial professionals, focus on the pre-tax return a portfolio generates while ignoring the real drag taxes can place on net portfolio performance. Some of the most common investment mistakes include overlooking asset location, generating too much trading activity, and disregarding tax efficiency while selecting the investments within a portfolio.

Discipline Matters

We believe that disciplined investing matters. A disciplined investor looks beyond the concerns of today to the long-term growth potential of markets. Historically markets have rewarded long-term disciplined investing.

Transparency/ Removing conflicts of interest matters

We want clients to understand everything about what they own, why they own it, and the options they have. Transparency equals trust. Clients need to know not only the pros of the plan but the cons as well. Removing conflicts of interest means that we are on the "same side of the table" with you. 

Diversification/Risk Matters

We believe broad diversification is a prerequisite for any portfolio’s long-term success. Dividing assets across various asset classes can help manage the overall volatility of a portfolio, as well as potentially increase expected returns. Different asset classes have a variety of risk and return characteristics, as well as imperfect correlations, meaning that they do not all move in the same direction at the same time. Favorable environments for some asset classes may be less favorable for others. It is impossible to predict with any certainty which asset classes will be the best, or worst, performers in the future. Broad diversification helps investors avoid this folly. Investors who broadly diversify may never have all their eggs in the winning basket, but they may not have all of them in the losing basket either. Regularly rebalancing a diversified portfolio back to the target allocation helps reduce risk by systematically selling assets that have appreciated, and may be overvalued, as well as purchasing assets that have underperformed, and may well be undervalued. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risks.

Wealth Strategies for Working People

Providing institutional-quality asset management to investors like you with an affordable and easy-to-understand pricing structure. Our investment management portfolios advisory fee includes the following services:

  • Portfolio Construction
  • Ongoing Portfolio Management and Systematic Rebalancing
  • Annual Client Reviews by Phone with a Dedicated Advisor
  • Online Account Access with Consolidated Portfolio Values
  • Quarterly Performance Reports with Market Commentary
  • Quarterly State of the Market Webinar