Financial markets are efficient.

As free market prices fully incorporate available information, price change consequently reflects unexpected new information; therefore the current price is the best estimate of a fair price

Structure Explains Performance

The expected return of a diversified portfolio is determined by its exposure to the compensated risk factors, therefore the high costs and risks of active management are unnecessary and potentially harmful to an investor’s long-term outlook.

Global Diversification is Essential.

Diversification within and among asset classes lets investors effectively capture the returns offered by the financial markets, in accordance with their risk capacity.

Risk & Return are Directly Related

Investors should expect to be compensated for assuming risk, however not all risks carry a dependable reward. Long-term historical risk and return data informs our investment selection process, and our investment recommendations seek to capture the historical risk factors that have appropriately compensated investors for risks taken, including market, size, value, and profitability for equity and term and default for fixed income.

There is Value with Us

There are distinct measurable* benefits to enlisting the services of a passively-oriented Registered Investment Adviser. Through our Wealth Management Process™ and our Method™, we seek to efficiently design our investment strategies based upon these beliefs.

*source: Index Funds Advisors, 2015