Portfolios that reduce risk without reducing return.

Global portfolios that seek to help investors accumulate wealth, generate income & preserve capital.

If you are not quantifying risk, you are likely taking too much of it. Our DataDriven Process helps us achieve lower volatility portfolios. 


Core Portfolio

You want your money working for you over time, prudently invested to earn a fair return.

The name Core represents the center and majority of your investment portfolio, based on a Nobel Prize-winning theory on how to create an optimal portfolio. Core Portfolio is intended to replicate the Tangency Portfolio in Modern Portfolio Theory 


Central to the Core Portfolio's goal is global diversification. If done properly, diversification should reduce risk but not reduce return. I believe in taking no more risk than is necessary.

    

Our DataDriven Process removes the guesswork with your money. It calculates exactly how much of your assets should be in different assets classes and why. It relies on math and finance, and led to this feature in Forbes

Conservative Portfolio

You want to keep your money secure.

My Conservative Portfolio aims to preserve purchasing power over time and match or beat inflation. During retirement, I advise between three and five years of projected withdrawals be allocated merely to preserve purchasing power. If a market crash occurs, your safe money will hopefully remain intact. This provides a way to fund your life without having to "sell low" during market turmoil.  


Why can't we just put our money in the bank if we want to preserve its value? Inflation. For example. Thirty years ago, if you found a quarter on the ground you had two options: you could save it or you could buy a can of soda. If you saved it in a piggy bank and cracked open that piggy bank today, the quarter would still be there, but I would argue it was not safe. A can of soda now costs around a dollar, and we can’t buy much of anything for twenty-five cents. Inflation has taken its toll.   

Aggressive Portfolio

You want to take more risk with your money.

Some people have a small percentage of their money they'd like to use to swing for the fences, even though they risk striking out.


This type of investing is only suitable for two types of investors. The first type has more than enough money to meet their needs and merely wants some money in riskier investments. The second type doesn’t have the asset base to likely meet their long term needs, and they have to take on risk somewhere in their life. I only work with the first type of investor. 


My Aggressive Portfolio still uses the DataDriven Process, but is more aggressive in overweighting and underweighting investments based on valuation. While I do manage an Aggressive Portfolio, I prefer to use the Core and Conservative portfolios to meet client needs.

Learn more about our philosophy and our process

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