Investment Approach
A research-based, data-driven, market-tested methodology creates a repeatable process. Mathematically defining trends and risks eliminates opinion and emotion.
Our approach has 3 Rules:
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Have a Plan for Up Markets
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Have a Plan for Down Markets and
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Have a Clear Way to Know the Difference Between Up and Down Markets
Research has shown that markets spend most (approximately 80%) of their time declining and getting back to even. This reality makes it critical to have an investment methodology designed work for you by putting the probabilities on your side.
Intelligent investment strategies with Smart Diversification®
Smart Diversification® aims to manage risk by making evidence-based decisions. Markets spend most of their time declining and recovering from declines. A small–but powerful–amount of time is spent reaching new highs or creating new wealth.
Without an effective risk management strategy, a portfolio may spend excess time in decline and recovery, rather than creating new wealth.
Preparing for your wealth roadmap meeting
Essential documents to send ahead of time or bring with you.
As we prepare to guide you through your Wealth Roadmap, we ask that you gather and share key documents that will help us determine where we can add the most value to your financial situation.
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Tax Returns – Last 2 Years (all pages)*
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Bank Account Statements (checking, savings, money market, CD)*
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Investment Account/Brokerage Statements (last two months or last quarterly statement – all pages)*
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IRA and Retirement Account Statements (last two months or last quarterly statement – all pages)*
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401k/403b/457 Plan Statements (last two months or last quarterly statement – all pages)*
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Employer Stock Options/Stock Award Documents/Statements
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Annuity Policy Statements (last quarterly or annual statement – all pages)*
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Social Security Statements*
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Mortgage Statement/Payoff*
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Consumer Debt Statements/Payoff (credit card, car loan, home equity lines of credit, etc.)*
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Small Business Documents (Articles of Incorporation, 401k or profit-sharing agreements)
*Please bring the most recent statements. Although the consolidated printouts or computer spreadsheets you may keep are helpful, please bring the actual statements with you, as these are the essential documents needed for planning purposes.
