The investment process begins with building an understanding of a client’s financial planning needs, including their goals, values, time horizon, investing experience and risk tolerance. Portfolios are tools to support the financial plan—not an end in themselves.

We act in the best interest of our clients, maintaining full transparency and always putting their needs first.

We follow Modern Portfolio Theory, emphasizing broad diversification across asset classes, sectors, market capitalizations, and geographies to reduce idiosyncratic risk and enhance long-term, risk-adjusted returns.

We believe minimizing investment expenses directly improves net outcomes. We select funds that are cost-effective and tax-transparent.

We believe investment portfolios should be aligned with clients’ short- and long-term objectives based on their financial plan, as well as their emotional and financial capacity for risk.

We believe in a strategic investing approach with a long-term focus across financial and economic market cycles. Portfolio adjustments are driven by understood and persistent trends.

We seek funds with low turnover that are managed consistently with their investment strategy. Our index-driven strategy focuses on market tracking rather than timing or selecting individual securities. We aim to match—rather than outperform or underperform benchmarks. Where appropriate, we may selectively engage active managers to enhance risk-adjusted outcomes.

Environmental, Social and Governance are themes that align closely to some clients’ values. We offer a series of diversified portfolios as an option for clients with investments that integrate ESG principles.