Investments are complex and deserving of dedicated attention. Too often they are managed in a vacuum, rather than as part of a comprehensive financial plan.
The Unified True Bearing Portfolio Design – a disciplined, financial plan-driven methodology – focuses on process over emotions and opinions.
- As Fiduciaries, we prioritize your needs and objectives above our own.
- We believe the financial markets work over time, as a means to build wealth and help our clients achieve their financial goals.
- No one can predict what the market will do. Instead, we focus on variables and processes that we can control. We have managed through bull and bear markets, tech and real estate bubbles, and volatile times and understand what is at stake.
- With an investment philosophy and process steeped in academic and scientific research, we utilize factors, the drivers of investment returns, along with an active, globally diversified asset allocation approach to pursue targeted returns and risk management.
- Optimizing active and passive investment approaches, deploying broad diversification, focusing on cost efficiency, and paying a premium only for what we believe to be sustainable processes with a history of adding value.
- Practicing proactive implementation to manage taxes. We seek to capitalize on opportunities in the tax code when needed, not as a year-end afterthought.
- Liquidity and transparency are paramount. We communicate with our clients openly and regularly.
- We customize and tailor our portfolio design for each client, avoiding the “cookie-cutter” approach. No one should be assigned to a “one-size-fits-all” investment strategy.
- We believe in contributing positively to our clients, family, community, and society as a whole. Using our experience, time, and our clients’ goals, we seek to align their values and investment objectives while making a positive impact on the environment, society, and governance.
Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.