Investment Philosophy

When building an investment portfolio I focus on two main targets: client goals and risk tolerance. It has been my experience that many financial plans miss the mark on these items. Risk planning can impact goal achievement or avoid unnecessary volatility. I invite you to take a complimentary portfolio risk assessment - the assessment will begin by clicking on 'Free Portfolio Risk Analysis'.

Once I have a clear understanding of a client’s goals and risk tolerance, I tailor a portfolio to fit. The overall guiding philosophy I espouse includes the following:

  • Markets work and are efficient
  • Time in the market matters more than timing the market
  • Risk and return are related, but not all risk is worth taking
  • Broad diversification is key
  • Asset allocation is essential
  • Keep portfolio turnover to a minimum
  • Rebalancing is necessary
  • Tilt to small cap and value to seek added growth opportunity
  • Avoid products that are unduly complex
  • Keep fees as low as possible

Once the portfolio has been optimized, we will review to ensure a ‘goodness of fit’. All portfolios are built upon each client’s objectives, but always contain flexibility to evolve and adapt as time and needs change.