How does investment management fit into holistic financial planning? 

Tax-optimized investing grounded in research-backed principles is a key tool to achieve your financial goals. 

We work with you to estimate your need and capacity to take risk, taking into account your beliefs, resources and goals. This informs an asset allocation strategy, which we implement using primarily exchange-traded funds (ETFs) and mutual funds. Trading is kept to a minimum and is primarily done for tax-loss harvesting and rebalancing.    We review the strategy periodically to confirm it continues to align with your objectives.

Our investment philosophy stands on three pillars: 

  • Tax-Optimized Long-Term Approach

    We help you implement tax-smart strategies, including choosing the right location for your investments and managing for ongoing tax opportunities like loss harvesting.  When the markets are volatile, we help you stick to your strategy and avoid reactions that may damage your long-term investment performance.

  • Diversification

    We recommend funds that are widely diversified, or even approximate the whole market.   Research shows that trying to pick the specific stocks or sectors of the market that may outperform in the future is not a strategy for long-term success.

  • Low-Cost Investments

    Most active managers do not earn enough extra return to offset their fees.  We choose low-cost funds to increase total return.