Maximize Returns.
We employ Nobel Prize winning research to maximize your returns by controlling the areas we can: fees, risk, taxes, and emotions.
Minimize Fees
Higher Fees = Lower Returns. We aggressively look for opportunities to lowering your fees and costs. Our portfolios have expense ratios as low as 00.1% with no trading costs or commissions.
Minimize Risk
Your portfolio will be invested in an internationally diversified portfolio of stocks and bonds. We review your portfolio daily to ensure it remains within optimal parameters to minimize volatility and keep you on track to reach your financial goals.
Minimize Taxes
The return that matters most to you, is what you receive after taxes. We take a tax-sensitive approach to investing to minimize capital gain realization, and hold tax inefficient holdings in retirement accounts.
Minimize Emotions
Money is emotional. With investing, your account values will change - both up and down. We understand your risk tolerance, educate you on investing, and support you to minimize reactionary decisions.
A PROVEN STRATEGY
Evidence-based Investing.
Our passive, indexing strategy capitalizes on the drivers of investment return without timing the market or speculating.
We build portfolios with funds from Dimensional Fund Advisors (DFA), iShares, Vanguard, and more low cost, high quality fund families.
Report
2023 Annual Market Review
2023 was a year that defied expectations by many accounts. A number of forecasts predicted that the US economy would enter a recession in 2023 as the Federal Reserve raised interest rates to fight high inflation. But the economy remained resilient, inflation eased, and the Fed declined to lift rates later in the year. This underscored that guessing where markets may be headed is not a reliable way to invest.
Download our Annual Market Report to see our take on the numbers.
INVESTMENTS AREN'T ENOUGH
We Make It Personal.
No one ever has a goal just to outperform the market. The meaning of your money goes far beyond that.
It isn't enough to have a nationally recognized investment approach.
We use academic outlooks and historical returns to find the best dynamic savings and distribution strategies to reach your goals.
THE TECHNOLOGY YOU EXPECT
The Human Touch You Need.
Transparent investment portal with instant access to performance, holdings, and reports all in one place. Everything is customized to give you as much or as little information as you want, exactly how you want it.
FAQs.
We do not hold or custody your investments in any way. After immense vetting, we have selected Charles Schwab as independent, third party custodians for our client's accounts. As the advisor, we review the accuracy of your accounts and are authorized to place investment trades. You can authorize us to move money between your investment or banking accounts for your convenience.
We are able to manage most account types including Taxable Brokerage and Trust Accounts, 529, Coverdell ESA, Traditional 401(k), Roth 401(k), Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, Traditional 403(b), Roth 403(b), and more. Contact us if you have any questions.
We can design your investment portfolio to adhere to strict Environmental, Social, and/or Governance policies, while maintaining the integrity of a diversified portfolio.
Owning real estate can be a complement to your investment portfolio to increase income, diversification, and overall return. If you are looking to purchase an investment property, we are happy to help you conduct research, evaluate risk, and find ways to minimize taxes on the income. We often recommend real estate funds as a holding in our portfolios, but do incorporate tangible holdings.
