No one can tell the future, but most investment managers charge as if they do. Our philosophy is simple:

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• Don't try to beat the market. You can't, and if you try, you will pay for it. Instead, invest in passive indexes to take what the market gives you. 

• Manage your risk. By diversifying across asset classes both risky and safe, our clients take advantage of the only free lunch in finance: effective portfolio diversification.

• Give Tax its due.  Wealth compounds at greater rates when taxes can be avoided or deferred, yet most investors don't take advantage of this very basic advantage. 

• Reduce fees. Maximize your allocation to low-fee funds and managers, avoid commissions and asset churn. Saving these fees over time can substantially increase wealth.