Wealth
Management
What do you want your wealth to accomplish? You are an individual, a business owner, a professional trustee, or an individual co-trustee charged with safeguarding your family’s legacy. Perhaps you are steering a significant change in circumstances.
Let us help. We are professionals with decades of experience advising clients and writing about wealth management. We talk straight, question industry convention, and reject “blind wisdom.” Your results are all we care about.
Wealth
Management
What do you want your wealth to accomplish? You are an individual, a business owner, a professional trustee, or an individual co-trustee charged with safeguarding your family’s legacy. Perhaps you are steering a significant change in circumstances.
Let us help. We are professionals with decades of experience advising clients and writing about wealth management. We talk straight, question industry convention, and reject “blind wisdom.” Your results are all we care about.
Our Investment Philosophy
Put It in Writing
Even the most seasoned investors make better financial decisions by writing down their strategies before markets turn volatile and emotions take over. Written Investment Policy Guidelines are at the core of our wealth management advice.
Control What You Can
Some decisions are net positives no matter what happens in the market. We manage investment portfolios with low-cost funds and target weighted-average expense ratios of .10% or less. (Which does not include our advisory fees). We also favor tax-sensitive funds with low turnovers.
Get the Facts
Total US public companies declined from 7,322 in 1996 to 3,671 in 2017. This decrease makes it hard to outperform market indices. Fees and taxes add to the challenge of effective wealth management. We focus on hard numbers to help our clients make smart decisions.
Benefits of Our Wealth Management Services
Organization
Financial organization includes: What you have. Whom you tell. How you manage advisers. Breakthroughs in financial technology have made these efforts relatively painless. Which means we can help you coordinate the efforts of different wealth management firms toward your objectives.
Trust
We hope to earn your trust through transparency and effective financial advice. You know your total expenses when we manage your money, both our management fees and the expense ratios of the funds we select. You also know how your investment results compare to the appropriate benchmarks.
Family
Some decisions have no right or wrong answers: How much risk to take. How to teach kids financial literacy. How to minimize the impact of divorce, business failures, or other setbacks. Yet, your choices affect multiple generations. We help you prepare for the unknown and offer perspective, free from the tangle of proprietary funds.
Security
Cybercrime is the single greatest threat to personal wealth management today. We advise you how to become a smaller target for Internet pirates. And while no organization can guarantee complete online security, we are constantly searching for the best practices of cybersecurity.
Control
Second opinions put you in control. By providing a basis for comparison, they ensure you are never captive to one source of wealth management advice. Based on your input, we develop Investment Policy Guidelines that help you manage multiple providers, evaluate their performance, and make calculated decisions during volatile markets.
