PUTTING SCIENCE ON YOUR SIDE

We draw on the work of a number of distinguished thinkers and academics, including 11 Nobel Laureates who have acutely and tirelessly studied the market and investor behavior for over 80 years. Our strong belief in markets, based on years of scientific research, frees us to think differently about investing.

LETTING MARKETS WORK FOR US

We see markets as an ally, not an adversary. Our mission is to harness the collective knowledge of all market participants to deliver the performance of capital markets, and to increase returns by focusing on risk dimensions with higher expected returns (small cap and value companies).

MARKET EFFICIENCY

Believing that the capital markets are largely efficient, any inefficiencies that do exist are difficult for money managers to exploit consistently in order to provide excess returns relative to risk and cost. We believe competition quickly drives stock prices to fair value, and that persistent differences in average portfolio returns are explained by differences in average risk.

PREDICTABLE PORTFOLIO INCOME

When clients want to fund future spending needs the defined income portfolio is engineered to cost-effectively protect principal and reduce exposure to rising interest rates while precisely matching fixed income securities to spending needs.

TIME SEGMENTED PORTFOLIO GROWTH

Since most clients can’t afford to fund their lifetime spending needs with fixed income, we build growth portfolios that seek to improve a client’s probability of reaching a time-based goal.

5 TENETS

We strongly believe in focusing on the things that we, as investors, can control.

  • Discipline – remember your objectives and invest for those objectives
  • Diversification – diversify across asset classes and geographic regions
  • Risk – expose yourself to those dimensions of risk that have higher long-term expected returns (small and value companies)
  • Taxes – use tax-efficient investments to help keep more of your money in your pocket
  • Cost – keep fees as low as possible as they erode returns (wealth

The 5 tenets serve as the anchor of our investment philosophy we are able to mitigate short-term market anxiety while gaining long-term market exposure to harness the returns of the market.


We stay clear of market timing, prognosticating, forecasting and trying to pre-identify winning companies and managers.