INVESTMENT PRINCIPLES

  1. We will be guided by the personalized Investment Policy Statement.

  2. We will use a custom designed Asset Allocation, balancing return and risk.

  3. We will create a globally diversified portfolio.

  4. We will not try to time the markets.

  5. We will use low to moderate cost, high quality, liquid investments.

  6. We will principally use Index ETF’s because they are:

    • Very Low Cost

    • Tax efficient

    • Offer a wide variety of asset classes

    • Administered by high quality organizations: Vanguard, BlackRock etc.

  7. We will rebalance the Portfolio’s asset allocation as needed: up to 4 times annually.

    • Or as needed due to large changes in portfolio value or significant life changes, for example: Job loss, retirement etc

  8. We will only purchase Investment Grade Fixed Income Securities unless noted in the Investment Policy Statement.

  9. We will, as necessary, recommend tax management transactions (Tax Loss Harvesting) if it can lower taxes and if it fits with overall client needs.

THE IMPORTANCE OF A LONG TIME HORIZON

Investment Markets are inherently volatile, including both the Bond Market and the Stock Market. A long-term time horizon and a disciplined approach allows the investor to ride out the volatility and profit from the long-term growth of the US and World Economies.

THE INVESTMENT MANAGEMENT PREPARATION PROCESS

  1. In-depth communication with the Client:

    • Goals and Objectives

    • Concerns

    • Risk Attitudes

    • Knowledge of market dynamics

    • Preferences

  2. Investment Discovery Questionnaire

  3. Investment Policy Statement: Your Customized Investment Strategy

    • Objectives

    • Asset Allocation

    • List of representative securities