Our approach
How we think about your money.
Four principles, written down so you can hold us to them.
What we believe
Good advice is boring, cheap and written down.
01
Plan first
Investments serve a plan. Without one, a portfolio is only a collection of opinions.
02
Keep costs low
We cannot predict markets. We can control what you pay, so we do.
03
Stay put
The best returns go to people who do not panic. Much of our work is conversation.
Portfolio styles
Three ways to invest, scored.
How the common approaches compare on the things clients ask about most.
Stock pickingActive fundsWhat we useIndex portfolios
- Cost
- Tax efficiency
- Diversification
- Simplicity
- Long-run results
Total8/2512/2524/25
In writing
A plan you can read in one sitting.
Every client receives a twelve-page plan: where you are, where you want to be, what stands in the way and what we will do about it. It is reviewed every quarter and rewritten every year.
- Goals in your own words
- Fees on page one
- A one-page summary for your family
Want to see a sample plan?
We will send a redacted example before we meet.