Core Principles & Philosophies

As an independent firm, we employ an unbiased, transparent approach to financial planning and an evidence-based investment process.

Have a Financial Plan – make planning a priority

Know Your Number – clarify financial goals

Understand Your Obstacles – long-term behavior matters

Markets are Efficient – focus on what you can control

Passive Investing – lower expenses & reduce taxes

True Diversification – own capitalism globally/11,000+ stocks

Asset Allocation – reduce risk via exposure to fixed income

Embrace Volatility – understand market psychology

Stocks Outperform Bonds – equity market premium

Value Outperforms Growth – value premium

Small Companies Outperform Large Companies – size premium

Earnings Matter – profitability premium

Relative Strength – price momentum premium

Short-Term Higher Quality Bonds – lower volatility