Investment Management is only offered for Financial Planning Clients, and those who go through our get to know you process. Click here to learn more about our Sleep On It process.   

Our Investment Philosophy…

  • Managing your emotions is the most important factor to investing wisely.
  • Each client has a different tolerance, capacity, and need for risk.
  • Asset allocation matters far more than “picking the right” investment.
  • Fees and extra cost can easily eat up most of your returns.
  • Taxes from day-trading behavior, usually eats up all the profits.
  • Chasing yield, like dogs chasing cars,  can get you run over.
  • Passive investing beats active investing nearly every time.
  • One has to have a perspective that is as longer than the cycle.
  • We all have cognitive biases and blind-spots so collaboration is critical.
  • Time reduces risk and covers a multitude of “sins”.

There is an old saying I love…  One must first be concerned with the return of your money, and only then, the return on your money We are sometimes our own worst enemies, no place is that more true than when it comes to investing.  Humans are emotional investors… fear and greed effect far more that we realize.  We believe that the facts and your feelings both matter, both need to be respected.

We start with building an Investment Policy Statement, a “why” you are investing.
We mold it with your values, goals, and timelines.
Then we find the right strategies that align your values and goals with the future. Next we look at the asset allocations and ways to invest toward your goals. Only then do we start looking at specific funds and investment vehicles to get you where you need to go.

Investment Advisory Prices for Financial Planning Clients.

Account Value of Assets Under ManagementTotal Annual Advisory Fee* (Does not include any optional Outside Manager Fees)
$0 – $250,0001.00%
$250,001 – $500,000
0.90%
$500,001 – $1 Mil 0.80%
$1 Million – $2 Million0.70%
$2 Million – $5 Million0.50%
$5 Mil and up0.40%

We reserve the right to offer AUM to Advisory Fee Offsets to Retainer Clients, at our sole discretion.

Risk Management & Investment Management.  There are many types of risk; Perceived Risk, Market Risk, Technical Risk, Real Risk, Liquidity Risk, Operational Risk, Legal Risk, Credit Risk, and so on.

Wait… what does it all mean?

If we can boil it all down,  there is the objective risk (that is really there). Then there is perceived risk, what you see and feel might be there. The problem is, it can be hard to clearly see the difference between them.

Example:  Most people are very scared of sharks, but very few people are killed by sharks
Less than 1 a year.  Most people are not afraid of deer, and yet they are a hazard that kills 125+ people a year.

There is also a big difference in perceived risk for people when everything is going good, and the perceived risk when everything is going bad.  You can think of it as the difference between what someone thinks they can lose and be “ok”, and what actually keeps them up at night when they think they have lost it.

We help you figure out your actual risk tolerance, Riskalyze software is a great place to start that process.  This software helps you find your risk number.  Then we help you align your risk number, with the minimum risk you need (to get where you want to go).  This is a no risk offer.  We want to help educate and empower you, even if we are not the right fit to work together.

Further Reading, for those interested in behavioral investing and economics: 

The Winner’s Curse, Richard H. Thaler

How We Know What Isn’t So: The Fallibility of Human Reason in Everyday Life, Thomas Gilovich

Irrational Exuberance, Robert J. Shiller’s

Thinking, Fast and Slow, Daniel Kahneman

Predictably Irrational: The Hidden Forces That Shape Our Decisions, Dan Ariely

Art of Contrary Thinking, Humphrey Neill

The Myth of the Rational Market: A History of Risk, Reward, and Delusion on Wall Street, Justin Fox

The Information: A History, A Theory, A Flood, James Gleick

Wait: The Art and Science of Delay, Frank Partnoy

Extraordinary Popular Delusions & the Madness of Crowds, Andrew Tobias