We invest for you according to these fundamental principles:

• Use thoughtful financial planning to drive investment decisions.

• Minimize costs, taxes, and turnover.

• Invest for the long term. Don’t time the market.

• Create a globally-diversified portfolio; the kind that has historically been shown to reduce risk and improve return. Do this using carefully selected ETFs, mutual funds, stocks & bonds, Real estate and Crypto

• Use an investment strategy grounded in rigorous academic and evidence-based research; not Wall Street trends.

• Practice strategic asset allocation, strategic asset location, tax-loss harvesting, regular monitoring, and timely rebalancing.