Investment Philosophy
Evidence-Based, Purpose-Driven & Forecast-Free
We don’t invest based on predictions - we invest based on evidence. Our approach blends long-term academic research, institutional portfolio strategies, and intelligent diversification to provide affluent individuals a stable and sophisticated path to wealth.
Just like the world’s largest pension funds, we follow a strategy grounded in discipline, structure, and data - not emotion or speculation.
Evidence Doesn't Blink. Opinions Do.
Facts vs. Forecasts
| Traditional Active Investing | Evidence-Based Investing |
|---|---|
| Tries to predict winners and time the market | Accepts market unpredictability |
| Short-term, reactionary | Long-term, goal-aligned |
| Guided by opinion and forecast | Driven by academic research |
| Beating arbitrary benchmarks | Meeting personal financial goals |
| Takes concentrated bets with uncertain payoff | Diversifies risk exposures intelligently |
PRINCIPLE 1
The Illusion of Foresight
We don’t speculate. Instead, we allocate broadly using low-cost equity index funds - exposing clients to thousands of companies across the U.S., International, and Canadian markets. That’s participation, not prediction.
Our view: being consistently invested beats being occasionally right.
Randomness of Returns: Asset Class Performance by Period (1982–2024)
PRINCIPLE 2
Risk Reimagined
Modern markets are faster, more volatile, and more correlated than ever. The classic stock-bond portfolio often falters under pressure. That’s why we integrate institutional-grade alternatives – including private credit, real assets, and private equity - to help address:
Volatility spikes driven by algorithmic trading
Global asset class correlation, diminishing traditional diversification
Shrinking public markets, limiting opportunity
Volatility spikes driven by algorithmic trading
In the 22 years ending 2023, the S&P 500 Index had more days of 2%+ declines than the prior 50-year period.
Past performance is no guarantee of future results. You cannot invest directly in an index. Index performance includes the reinvestment of dividends and interest income.
Source: Standard & Poor's, FactSet, as of Dec. 31, 2023.
The 36-month rolling correlation between the S&P 500 Index and the Bloomberg U.S. Aggregate Bond Index.
Higher correlation indicates less diversification.
Source: Ycharts, rolling 3yr correlation of S&P500 Total Return Index (USD) and Bloomberg US Aggregate Bond Index (USD) 12/31/2012 through 05/31/2025.
Global asset class correlation, diminishing traditional diversification
The decrease in public listed companies in the US (1997–2024)
Source: World Bank, Wilshire, CRSP, Jay Ritter, University of Florida, as of 2024.
Shrinking public markets, limiting opportunity
The data is blunt: over 95% of active managers underperform their benchmarks after 10 years. So we invest in what has proven to work - systematically tilting toward proven drivers of long-term returns, including value, size, profitability, and select private market exposures.
PRINCIPLE 3
Wisdom Beats Noise
Source: S&P Dow Jones Indices LLC, Fundata. Data for periods ending Dec. 31, 2024. Outperformance is based on equal-weighted fund counts. Index performance based on total return. Past performance is no guarantee of future results. Table is provided for illustrative purposes.
PRINCIPLE 4
Time is a Strategy
We tailor portfolios to your time horizon and risk profile - because real investing serves life goals, not leaderboard bragging rights. Our model portfolios are constructed in a way that pension plans invest: long-term, patient, and intentional.
Growth of $10,000 invested in the S&P 500
Total Return Index from 1990 to 2024
Source: Ycharts. Assumes $10,000 invested in the S&P 500 01/01/1990 through 12/31/2024. Past performance is no guarantee of future results. You cannot directly invest in an index. Index performance includes the reinvestment of dividends and interest income. Presented for illustrative purposes.
PRINCIPLE 5
Success is Personal,
Not Relative
Your portfolio should be as individual as your ambitions. That’s why we build around retirement timelines, income needs, and multigenerational legacies - not chasing arbitrary benchmarks. Our private market access adds tools that go beyond public market limitations: more income, more inflation protection, more stability.
5 - Cost: The Silent Detractor
Low-cost ETFs. Transparent pricing. Institutional-grade private access - without the gatekeeping minimums. We’ve designed the entire experience to minimize friction and maximize after-fee, after-tax outcomes.