We are not going to spin our wheels trying to outsmart the market, nor are we going to try and reinvent the wheel.  We believe markets fluctuate based off of emotion, and it’s more effective to focus on overall asset allocation and stick to a plan grounded on risk appetite rather than chasing returns.  Many people tend to buy high and sell low – an act that is driven by human emotion. 

When it comes to investing, we like to look at empirical evidence and history rather than the most recent returns.  Implementation is simple.  We periodically converse with clients to see how they are progressing toward their goals and if anything in their lives has changed.  When something changes, we work with clients to make changes when necessary.  If something doesn’t work, we work together in an effort to fix it.