Capture Your Risk Number 
 

The first step is to answer a 5-minute questionnaire that covers topics such as portfolio size, top financial goals, and what you’re willing to risk for potential gains. Then we’ll pinpoint your exact Risk Number to guide our decision making process.

Align Your Portfolio 


After pinpointing your Risk Number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes. The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.

Define Your Goals 


We will also review your progress toward your financial goals by building a Retirement Map. 
When we are finished, you’ll 
better understand what we can 
do to increase the probability 
of success.

Accumulator (More than 10 yrs from Retirement):

 

  • Build a plan

    • Set Goals for current and retirement spending

    • Set other Pre-Retirement Goals

    • Set Debt Reduction Goals if needed

  • Allocate assets using low cost, diversified, evidence-based systems

  • Monitor plan probability regularly using a ceiling/floor methodology

  • Adjust savings based on probability results

  • Stage long-term strategies to maximize financial efficiency

Pre-Retiree or Already Retired:

 

  • Build a plan

  • Determine the Initial Withdrawal Rate

  • Allocate Assets considering managed and non-managed in light of risk tolerance

  • Monitor plan probability regularly using a ceiling/floor methodology

  • Adjust withdrawals based on probability results

Academic Based Evidence Investment Approach

 

The Evidence Says:

 

  • Markets are fairly efficient

  • Skill is difficult to distinguish from random chance

  • Outperformers (Individual or Professional) are minuscule and nearly impossible to identify in advance.  It takes a lot of analytics power (machine learning, data science) to reasonably attempt these days and must be executed as inexpensively as possible.  

  • Behavior has an impact on returns

 

Conclusions:

 

  • Diversify widely

  • Keep costs low (“cost alpha”)

  • Invest for the Long Term

  • Rebalance to control risk

  • Manage your behavior

 

 

 

Strategy:

 

Your financial plan and risk tolerance will be the key drivers of an allocation strategy.  The financial plan is like the picture on the front of a puzzle box.  The plan will help us solve the puzzle of asset allocation, portfolio construction, and probability evaluation.  

Disclosure: All investing involves risk, including possible loss of principal. No investment strategy can guarantee a profit or protect against loss.

Does Your Portfolio Fit You?  Find Out -