WHAT TYPE OF CLIENTS DO YOU WORK WITH?

We primarily work with individuals who are serious about investing.  More importantly, we seek serious long-term investors who are looking for a straight-forward, evidence-based approach for reaching their financial goals.

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HOW DO YOU WORK WITH CLIENTS?

We help simplify our clients’ financial situations by working together to build an appropriate specific to their situations.

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HOW DO YOU MAKE INVESTMENTS?

We do not speculate.

We do not time markets.

We do not buy/sell individual stocks.

We use a quantitative approach based on well-established academic theory to create broadly diversified investment portfolios. These portfolios include exposure to the U.S. and international stocks, fixed income securities, real estate stocks, and cash. We emphasize global diversification to improve the expected portfolio risk/return characteristics.

Low-cost investments like exchange-traded funds (ETFs), market-tracking mutual funds and index-based mutual funds are typically used to implement this approach.

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HOW ARE CLIENT ACCOUNTS STRUCTURED?

We use independent, nationally recognized brokerage firms, such as Charles Schwab and TDAmeritrade, to open accounts on our clients’ behalf. All accounts are "at-will" with no long-term commitment to work with us.

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HOW ARE YOU COMPENSATED AS AN ADVISOR?

We are a fee-only advisor and charge a fixed-fee based on assets under management. Our fee structure is the following:

First $1 million: 0.90% annually

Next $1 million: 0.80% annually

Next $3 million: 0.60% annually

Over $5 million: 0.40% annually

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HOW DO I FIND OUT IF YOUR FIRM IS RIGHT FOR ME?

Please contact us to schedule a no-obligation introductory meeting.