Simplicity
We believe everything should be made as simple as possible, but no simpler. We examine all available products from the financial services world and carefully select a combination that uniquely addresses our client's needs. We spend time educating our clients to make sure they can make confident decisions in their best interest.
Tax Efficiency
It’s not just what you earn, it’s what you keep. For taxable accounts, we screen our investment managers seeking to provide a higher after-tax return.
We are active tax loss harvesters, effectively turning lemons into lemonade. Studies show that tax loss harvesting can add 1-2% in after tax performance over time.
Low Cost Investments
High investment costs can significantly affect your returns over time. We seek investment managers with low expense ratios and use many index investments that seek to provide a lower total cost to clients.
