Investment Philosophy


We have developed and refined a consistent, strategic investment philosophy supported by a significant body of academic research. We believe that a widely diversified portfolio of investments tailored to each client’s unique risk tolerance level and financial goals is key to financial success. A study conducted by an independent research firm found that the average return of the S&P 500 over the last 20 years was 9.2% per year, yet the average equity investor earned only 5.0%*. Why? Most individual investors gravitate toward the next “hot” investment and let emotions rule their portfolio. The goal of our approach is to take the emotion out of investing in order to capture market returns while minimizing volatility.

*Source: DALBAR Quantitative Analysis of Investor Behavior 2013.


Many investors believe that managing their investments actively is more likely to lead to success, but when they make their own investment decisions, they may not even be fully aware of how emotional their investing strategies are. This emotional or undisciplined approach to investing has consequences. Over the long term, individuals who try to manage their investments actively are less likely to be successful than those who buy and hold their investments. They want to buy into the market when it is going up, and will sell when it is coming down.

Our investment program is a fee-based, highly diversified, low-cost, passive investment strategy, using primarily the mutual funds of Dimensional Fund Advisors, based on an investment philosophy derived from decades of academic research in financial and market theory. We believe that by investing in a variety of asset classes, using a disciplined approach, the program will provide a reasonable return over the long term while managing risk, which will ultimately result in a sustainable investment strategy. This program’s goal is to help clients achieve their financial goals by overcoming the pitfalls of emotional investing, such as trying to time the markets and chase hot funds and asset classes. Instead we implement a disciplined and well-diversified portfolio that benefits from random asset class movements. There are four main elements to the program: Customization, Risk Management, Market Returns, and Account Aggregation. For more information about each of these core concepts we invite you to read more about our approach in our investment Philosophy brochure.