"The most important thing about an investment philosophy is that you have one you can stick with."

          - David Booth, Executive Chairman and Founder of Dimensional Fund Advisors


Some investors assume that the stock market’s current level offers insight into its future direction.  For example, when the market has recently hit an all-time high, they may think it has peaked and is likely to reverse.  If the market is declining, they might wonder how much further it will decline before a turnaround begins. Approaching your investment decision based on the market’s current level or recent performance is a form of market timing - and this approach may present potential problems.

We follow an evidence-based approach to investing that is grounded in a belief that markets are efficient.  We believe that an effective investment strategy that integrates your unique investment goals, time horizons and risk tolerance must be globally diversified and effectively manages your costs.  It is important that we remain disciplined through market dips and swings.  

In partnership with you, we will create a tax-efficient investment plan to fit your goals, and structured to capture the dimensions of expected returns that have been established through Nobel Prize winning academic research.

These are the principles that guide our investment philosophy:

 Embrace market pricing

 Practice smart diversification

 Don’t try to outguess the market

 Avoid market timing

 Resist chasing past performance

 Manage emotions

 Let markets work for you

 Look beyond the headlines

 Consider the drivers of returns

 Focus on what you can control