Why Risk-Managed Investing?

Big losses kill compounding. While large investment drawdowns can be a buying opportunity for young investors, for those approaching retirement they can be catastrophic. It should be common sense that any financial professional would seek to defend against large-scale investment losses. Surprisingly, it’s not. Talk of diversification isn’t enough; you need an approach that incorporates defensive strategies before the unexpected happens.

What does diversification REALLY mean?

Most people think of diversification as holding a wide assortment of stocks, bonds, and other asset classes. After all, this year’s winning asset class could be next year’s loser. The same is true for investment strategies. Like asset classes, strategies go in and out of favor over time. However, while diversification across asset classes has long been common practice – most portfolios still fail to diversify investment strategy.

How Do We Utilize Risk-Managed Strategies?

Strategy diversification is key to our approach. We construct portfolios using multiple risk-managed strategies. We utilize strategies that emphasize low correlation to broader, more volatile market activity. While each of our strategies has its own methodology, one of our primary goals is to limit large investment drawdowns. We believe this approach gives investors the opportunity to experience better results through stronger compounding. And we think it reflects what many of today’s investors are seeking—a steady and incremental approach to generating returns regardless of market conditions.

Our Advisory Fees; What Does it Really Cost? 

We charge a simple annual advisory fee as a percentage of investments under management. Our tiered fee is based on portfolio size and withheld monthly along with an $8 account fee. That’s all our clients pay - there are no commissions, no trading fees, and no transaction costs.

Our advisory fees include more than just the selection and monitoring of your investments. As a client you enjoy access to institutional investments not offered to individual investors, and access to models guided by the oversight of a seasoned professional investment committee. You also enjoy access to the guidance of a personal advisor, answers to your questions, regular client reviews and annual updates to your financial plan. All this, and more, is included in our fee.