As independent practitioners, we have a unique freedom to help our clients select investments which are best suited to them and their goals. We use the term ‘investments’ to refer to a broad range of investment products; from an individual stock to a mutual fund, bond, and more. However, when we say ‘investment’ we always refer to a single investment or limited number of investments. We deliver additional value to our clients by combining their investments through our Portfolio Design process. Using a variety of risk assessment, diversification, and Modern Portfolio Theory tools, we develop a larger context to allow as many individual investments as appropriate to work together effectively, gain efficiency, and cost effectiveness. When building our portfolios, we employ Environmental, Social and Governance criteria in an effort to invest in those companies that are good corporate citizens. You can read more about this on our Responsible Investing page.

Investing involves risk including the potential loss of principal. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values.