Investment Process

It starts with you - we begin by asking you about your investment objectives, your comfort level with risk and when you intend to retire. Your answers to these questions ensure that your advice the best it can be because it is customized to your objectives.

With your objectives in mind, we match you to one of our target portfolios. We use a complex algorithm to maximize return for each one of our portfolios. This ensures that you are adequately diversified. Furthermore, our target portfolios rarely change. This means we are not trying to "time" the market and the approach you follow is disciplined.

We then help you implement your portfolio. With consideration to your accounts and your available fund options, we tell you precisely what action to take in each account in order for you to implement your target portfolio strategy. Along the way, we help you pick the best, low-cost funds to execute your advice. Furthermore, we employ the same sophisticated optimization techniques the pros use to ensure that your "real life" portfolio is a tight fit with your "target portfolio."

Finally, we keep you on track. The less time you have until your anticipated retirement date, the lower your ability to make up for the losses stemming from poor market returns. Therefore, as you move closer to your anticipated retirement date, we continually revise your advice to ensure your portfolio becomes more conservative over time. In addition, if market movements knock your portfolio off course, we will alert you to rebalance so you stay on track.