947 E. Winding Creek Drive
Our mission is to help our clients preserve, protect, and grow their financial resources in a way that aligns with their values. We provide education and resources which allow us to customize our client's portfolios to target both the ROI needed to meet their retirement objectives, while simultaneously enabling them to invest their money in companies which support their family's values. We utilize proprietary screening processes to build portfolios which target our client's objectives.
Our investment philosophy derives from academic theory and a real-world approach to financial markets.
We take a long-term approach to investing. We accept the idea that markets are most-often efficient (collective market wisdom often correctly prices assets), and yet there are "pockets" where the market is inefficient (assets are mispriced) and therefore provide unique opportunities for well-informed long-term investors. It takes discipline, prudence, and wisdom to be able to discern which strategy to deploy in a given economic & market dynamic. Ultimately, stock market returns are driven by a company's (or aggregated index, industry sector, etc.) ability to create and increase value, as measured in future revenue, earnings, return to shareholders, user growth, etc. Stock market participants are collectively forward looking and therefore "bid up/down" the price of a stock based on projected financial metrics and outlooks. Sometimes the growth/decline is priced into the stock. Sometimes it is not. Furthermore, understanding the areas and disciplines of accounting, economics, company valuation, and the qualitative aspects of company leadership, innovation, and competition allow us to make informed investment decisions helping determine whether or not an investment is properly priced by "the market".
Some of the academic papers, books, authors and investors we appreciate and follow are:
1. Harry Markowitz. 1992 Nobel Prize for Economics based on Modern Portfolio Theory, diversification effect (and volatility reduction) and Portfolio Selection.
2. Asset Allocation by Roger Gibson. Discusses background and implementation of asset allocation, why it is important and dynamics of balancing portfolio risk and return.
3. The Intelligent Investor by Benjamin Graham. Value Investing and fundamental approach to discovering intrinsic value for companies.
4. The Snowball: Warren Buffett and the Business of LIfe by Alice Schroeder. Understanding cash flow, value, compounding interest, and float (time value of money) to build wealth.
5. Dave Ramsey. Author, radio host, and financial expert/personality. The everyday persons practical approach to disciplined budgeting and personal finance.
6. Aswath Damodaran. Author and NYU-Stern Finance Professor focused on Valuation. Providing the framework and methods for valuing a company in order to identify possible market inefficiencies.
7. Peter Lynch. Investor and author discussing a real-world practical approach to identifying growth investments by researching products and services you utilize.
8. Stocks for the Long Run by Jeremy Siegel. Wharton Professor and author discusses historical returns of stock market and how the patient, disciplined investor has the ability to participate in the growth of the financial prosperity of free-market capitalism by investing in stocks.
In summary, we develop client-centric and fiduciary investment solutions based upon the needs, goals, risk preferences, and value preferences of our clients utilizing time-honored truths such as asset allocation, investment/security selection, and long-term market outlooks.
"In fact, your financial planning should provide for additional investment funds so that you can buy when shares are unreasonably low in price. Preparing psychologically means to expect that there will be many bull markets and bear markets so that you will not sell at the wrong time or buy at the wrong time. To buy low and sell high is difficult for persons who are not psychologically prepared or who act of emotions rather than facts."
John M. Templeton, Chairman of the Templeton Foundations, April 11, 1989