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Diversification, Risk Management, and Discipline

Risk management and diversification are the core of our investment philosophy

We create customized financial strategies and constantly monitor them to make sure they are always in line with your goals and risk tolerance

Risk adjusted returns and capital preservation are our main priority

When designing retirement plans, we pursue reasonable goals under different economic environments*.

We are firm believers that the most prudent approach to achieving long-term investment objectives is through well diversified portfolios

When designing portfolios, among other criteria, we primarily focus on strategies that are well rated by our research team, and major research companies such as Morningstar whose rating system covers: Quantitative, Qualitative and Sustainability analysis.

These strategies, should also be fairly priced (expense ratio) and ideally have, at minimum, five years of track history; the key here is consistent, reasonable returns as opposed to occasional, phenomenal performance.

A team approach to money management is vital, we prefer teams with average tenure between 5–10 years that have a clear succession plan in place that will help minimize disruption when managers depart or retire.

Investment strategies are monitored on a monthly basis and asset allocation is adjusted, on average, twice a year under normal market conditions or more often depending on market volatility level.

Finally, most of our strategies have significant exposure to alternative investment classes in order to broaden diversification and to potentially minimize losses during periods of excessive volatility.

*All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.