PHILOSOPHY
A CLEAR PATH THROUGH LIFE’S TWISTS AND TURNS
When life changes, your plan evolves. Life is layered with significant events that can influence your future.
When things change, you need a trusted partner who can see the broader picture of your finances and who understands the short- and long-term financial impact so you can focus on living your life to the fullest.

EXPERIENCE
Design
One of the most important parts of developing a better long-term financial plan is developing a better understanding of you. By discovering, and continually rediscovering, your ever-changing values, goals and challenges, we ensure your personal and financial priorities align. A process of personal discovery helps to uncover what’s important to you, so that a plan can be designed and customized to balance your wants and needs. This plan serves as an ever-changing compass that will help navigate the journey ahead.
For many clients, we build a custom Asset-Map Report and use it throughout our interactions to make sense of priorities and intentions as well as identify gaps and areas for improvement.
Build
Together we will build a custom plan with clear objectives and attainable action items, using academic research and financial science to increase your odds of success.
When building investment portfolios, the primary objective of the Evidence-Driven Investing™ approach isn’t to simply get you the largest possible return. Rather, it is to create a plan that gives you the highest likelihood of achieving your goals—balancing both risk and the opportunity for return. That’s why it involves asking difficult questions about factors relating to withstanding market declines, financial longevity and return goals.
The philosophy is rooted in research, not market forecasts. All investments can lose money at some point—and advisors plan for it. By relying on evidence, you can feel confident in your portfolio through both up and down markets.
Protect
Regular check-ins will help protect your plan and allow you to measure progress toward your goals and adjust as needed.
Life isn’t linear, and neither is any effective investment strategy. Because as your goals and values change, so do our strategies and advice. Which is why we don’t provide a rigid, solitary plan, but rather a fluid, ever-evolving process — optimized to meet your changing needs.
Of course, it’s not only your needs and desires that change over time. We continually and proactively educate our clients on how changes in the markets, economy, tax legislation and the emergence of new strategies can improve their overall plan.
Life happens. Inevitably there will be a number of factors, both personal and global, that impact your plan. Protecting your plan means providing insights and education to help you focus on those areas that can be controlled.
EVIDENCE
Investing makes it possible for many of us to achieve important lifetime goals, such as retirement. That’s why we believe a better wealth experience requires an evidence based investment approach rooted in financial science and grounded in real world results.
You deserve the brightest minds on your side. An investment strategy driven by rigorous, peer-reviewed research gives you the best chance at reaching your goals. The strength of your plan comes from advanced strategies rooted in education plus our committee-based approach to investment policy.
Our Investment philosophy is based on nine decades of data, analysis and research, insights from behavioral finance and close relationships with leading academics.
See what it’s like to have decades of objective, peer-reviewed market research working for you. Your investment plan uses cost effective and tax efficient strategies that are appropriately matched to your risk tolerance and will help increase your odds of living the life you envision.
We rely on these five key principles of investing to guide our decision making process:
Markets Are Highly Efficient
Billions of dollars are traded daily where buyers and sellers come together and agree on a price. Given so much competition, Evidence-Driven InvestingTM believes the current price reflects both the latest news and the latest outlook for the investment and the economy. This approach presumes the investment’s price is the best estimate of the current value, and don’t try to outsmart the market.
Risk & Expected Return Are Related
Diversification is Essential
Pursue Factors Of Returns
Research has shown that allocating more of your portfolio to companies that share certain characteristics can increase your potential for return. Although these investments typically bring more risk, Evidence-Driven InvestingTM portfolios are built to most efficiently allocate across multiple sources of risk — even if it means performing differently than headline indexes.
Focus On What We Can Control
Don’t try to predict interest rates, anticipate the impact of government actions or outsmart other traders. Instead, focus on the areas that can be controlled — such as setting a thoughtful investment strategy and following a disciplined review process.


PARTNERSHIP
Your advisor can utilize a tax-sensitive planning process to analyze existing accounts, income, tax implications and current holdings. Your portfolio can be personalized across investments, values and a variety of types of risk.
Risk can mean something different to everyone, however. Some people fear market declines and portfolio losses. Some don’t want to see their portfolio underperform an index. And others fear not having immediate access to the entirety of their portfolio.
That’s why your preferences matter—your advisor can build a portfolio that considers your perspectives for these types of behavioral risks. After all, there’s no sense taking risks when you don’t need to.
Rigorous Academic Approach
Our team utilizes evidence-based strategies to create customized financial plans that help our clients reach their long-term goals.
Fiduciary Commitment
Your best interest is our only bias. We are committed to your well-being every step of the way.
National Thought Leaders
A deep bench of specialists that support us with the latest investment and planning insights.
Community - Impact Beyond Returns
Invest globally in companies that align with the causes you care most about, without sacrificing your performance goals.
Or, seek charitable giving strategies that leverage the fruits of your success and help create a lasting legacy.
Strategic Partnerships
A truly collaborative approach to your financial future where CPAs and investment advisors take a broader perspective to customize a service plan unique to your needs.