We incorporate the following into all of our portfolios:

Diversification

We believe that diversification is the cornerstone of risk management. Our portfolios are diversified across assets (stock bonds cash and real estate), regions (domestic and international) and styles (growth vs value/small vs large companies) of investing.

Price matters

What you pay for an investment matters. Company valuations play a key role in when and where to invest. In others words, we take a contrarian approach to investing.

Fees/Costs Matter

The less you pay, the more you keep. Our fees are low and we invest in low cost funds.