You invest to meet your financial objectives, and our role is to create an investment portfolio that can help you achieve those goals. However, all investments come with some risk, and the potential for higher returns typically involves taking on greater risk. Our objective is to achieve risk-adjusted returns that sufficiently compensate for the risk inherent in each investment choice by diversifying your investment portfolio per your individual risk tolerance level.

Science and academic research-based investing is an investment approach that involves selecting stocks or other assets based on certain characteristics such as value, profitability or momentum.

One of the key benefits of science and academic research-based investing is that it provides a systematic and rules-based approach to investment selection, which can help to reduce emotional biases and improve portfolio diversification. Although there may be periods during which certain factors underperform or experience elevated volatility, there is a consensus that they perform better over time.

As time passes, various asset classes or individual securities may perform differently, causing the overall composition of the portfolio to deviate from its initial target allocation. Rebalancing requires selling some of the assets that have increased in value and buying more of the assets that have decreased in value, thereby restoring the portfolio's original asset allocation. This strategy can enhance long-term returns while managing risk in the portfolio.

We aim to reduce our clients' tax liabilities for both current and future years and improve their long-term after-tax returns by incorporating tax management strategies into their investment portfolios.

Partnering with a reliable financial advisor means teaming up with a specialist who can clarify the consequences of particular choices on your financial plan. Your advisor will take the time to understand your unique circumstances, family, and objectives to offer customized, one-on-one guidance and oversight.

As fiduciaries, we take the responsibility seriously and treat your wealth as our own. We understand that every client is unique and may have different needs, such as complex tax situations, family dynamics, or personal values they want to be reflected in their investment portfolio. Regardless, we strive to provide the best possible solutions to manage their wealth. We have a dedicated investment research team that oversees portfolios and fund managers to achieve this. This approach allows us to meet the diverse needs of our clients while helping them achieve their investment objectives.