Asset Management

Our investment portfolios are specifically designed to help retirement investors reduce risk, improve returns, minimize taxes, and create a reliable income stream.

In order to protect your savings, we can assist you to:

1.) Own Tax-Efficient Investments

"Our favorite holding period is forever." - Warren Buffett 

While holding an investment forever isn’t practical for most retirees, our investment management strategy involves “low turnover.”

Every time an investment is bought or sold (i.e “turned over”), costs are incurred. Costs include: transaction fees, taxes, bid-ask spreads, and taxes. 

These costs eat away at your investment returns and cause you to pay unnecessary taxes (i.e. pay much higher ordinary income tax rates instead of the lower capital gains tax rates). Research has shown that, in the long-run, low turnover investment strategies usually outperform other higher turnover strategies.

To protect your investment returns and mitigate taxes, we target investments with low turnover.

2.) Own Appropriate Assets

There is an overwhelming number of strategies and financial products being touted as the way to save/invest for the future, with new products continually evolving. However, not all investments are created equal. Just because you can invest your money into something (i.e. Bitcoin, Gold, the next new financial product, etc.), does not mean that it is appropriate.

We only invest in assets that:

1.    Have been proven through academic research to provide superior risk-adjusted returns
2.    Work well when invested together in a diversified portfolio (i.e. low and/or negative correlation to each other)

As a fiduciary, our job is to make investment decisions that are in your best interest. This means ignoring the daily headlines and sticking with evidence-based solutions.