Our Services

Can you double my money…without any risk?

Over the years, we have worked with many clients who have asked some version of this question. It is, however, usually asked in jest…because most people understand that any investment that offers substantial return also involves risk.

All “risk-less” investments, such as Certificates of Deposit or money market funds, essentially have a 0% return after taxes and inflation have been considered. It is true that these investments secure the current value of principal, but over time the purchasing power of that principal is guaranteed to decline. Real long-term growth (growth that is greater than the assured losses brought by taxes and inflation), cannot be obtained from bank deposits or money market funds.

In building a portfolio, we utilize Modern Portfolio Theory (see Investment Philosophy for a more detailed discussion) using no-load, institutional class mutual funds. These mutual funds are managed as asset class funds, which provide asset class diversification and risk management, at low cost.

We use Dimensional Fund Advisors, a family of funds that meet our asset class requirements, in most of the portfolios we advise.

…beyond managing money…

We feel that our job involves much more than just managing portfolios. As part of our regular review with you, we place your assets in the context of the amount of money you are likely to need in order to meet your goals. This is the “financial planning” part of our work.

For clients who are pre-retirees, this involves setting appropriate goals for saving, as well as investing. The monthly saving targets you set for the last ten to fifteen years of your working career can dramatically affect the standard of living you will be able to enjoy during retirement.

For many clients, this planning role includes all aspects of wealth management, such as goal-setting, retirement planning, and other specific areas of financial planning, as well as investments. It can even involve the discussion of how to reduce spending to free up money for more important retirement or savings needs.