Investment Philosophy

PRINCIPALS

• The right investment philosophy combined with discipline and time lead to success
• Wealth should bring freedom not restriction
• Diversification is required for critical goals
• Speculation may only be applied to optional goals after critical goals are funded
• Don’t underestimate the importance of Liquidity
• Debt is like fire, a campfire can be good, a forest fire is bad. Use the tool wisely
• Educate clients about investment risk so they can make winning choices
• Optimists make money 
• Every dollar needs a goal and every dollar should be working appropriately toward that goal
• Do lots of small really smart things and watch them turn into big things over time

TACTICS

• Research the Investment universe then choose the best
• Index positions are great positions
• Low Cost (Transaction fees and internal expense ratios)
• Utilize mostly ETF’s and Mutual funds
• Dollar cost average
• ”Buy Low” and ”Sell High” rebalancing
• Significant allocation toward buy and hold
• Utilization of sectors based on current market conditions
• Overweight Tech
• We build, monitor, and update our own portfolios
• We can tailor models for unique client situations or requests
• We can allocate individual stocks, bonds, or options as appropriate

TAXES

• Tax sensitive investing
• Tax loss harvesting
• Match investments to account types based on IRS tax rules to minimize taxes