Investing
Your investments should support your financial plan—not the other way around.
We begin with a simple question: When might you need this money?
Money you may need in the next few years should be invested differently from money you may not need for ten, fifteen, or twenty years. We use that time horizon to help determine how much investment risk is appropriate and how a portfolio should be structured.
For clients who expect to draw from their portfolios, we generally maintain more conservative investments for nearer-term needs while allowing longer-term investments more time to remain invested.
From there, our approach is straightforward:
- Diversify. We spread investments across different companies, industries, markets, and asset classes rather than relying too heavily on any one of them.
- Rebalance. As markets move, we periodically adjust portfolios to keep them aligned with their intended allocation and risk profile.
- Keep costs in mind. Investment expenses matter, and we consider them when selecting investments.
- Take the long view. We do not believe a sound investment strategy should depend on correctly predicting the next move in the stock market, interest rates, or the economy.
Markets will rise and fall, and no investment strategy can eliminate risk. Our goal is to build and manage a diversified portfolio appropriate for your circumstances, time horizon, and financial plan.