We build well-diversified portfolios using a mix of index funds, actively managed funds, ETFs, and individual securities. Each portfolio is matched to your comfort with risk and how long you plan to be invested.
Diversification – not putting all your eggs in one basket
Modern portfolio theory comes down to a simple idea. Don’t put all your eggs in one basket.
How your money is divided among different kinds of investments, called asset allocation, plays the key role in how a portfolio behaves over the long term. We use a mix of index funds, actively managed funds, ETFs, and individual securities to hold the specific asset classes we’re targeting for your portfolio.
Your risk tolerance and time horizon set the mix
Through our conversations, we get a clear understanding of how you feel about financial risk. From there, we balance growth-oriented investments with more conservative ones to suit your comfort level and your time horizon.
Why we use both index funds and active management
Index funds make the most sense where low cost and market-level returns are what you want. Active managers and individual securities can earn their place where selectivity matters. We use each where it fits, based on what best serves each part of your portfolio.
Fee-only – we don't sell commissioned products or insurance
Because we’re a fee-only financial advisor, our advice isn’t shaped by what would pay us the highest commission. We don’t sell any commissioned products and we aren’t licensed to sell insurance. We’re independent, we work under the fiduciary standard, and we operate in your interest.