Investment Philosophy

Goals Based

  • Any money needed for shorter term goals needs to be safe, secure, & relatively liquid (Cash & Cash Alternatives)
  • Money that has a 5–10-year time horizon or longer should be in equities
  • We use goals to decide our allocation rather than market timing


  • We will use different asset classes (Large Cap, Mid Cap, Small Cap, International, Alternatives, etc)
  • Our team may tilt up or tilt down these asset classes as our research dictates
  • Depending on the portfolio size, we will use a combination of mutual funds, ETFs, individual stocks, & individual bonds (as well as Private Equity or other alternatives in some situations)


  • Our team may tilt up or down (overweight or underweight) certain asset classes as our research dictates.

Tax Efficient

  • Asset location strategy which places tax inefficient vehicles in tax deferred accounts & low tax investments in taxable accounts
  • Tax loss harvesting allows for tax losses to be locked in for future use while still keeping market exposure for future upside
  • Charitable giving strategies not only are good for the world, but when designed properly, they can also be good for your taxes on your portfolio
  • Estate tax minimization strategies means your family keeps more of the wealth you’ve built