Our Principles

1. We deliver objective advice around investments and planning with a keen sensitivity to our client’s starting point and preferences.

2. We are a fiduciary and will always act like it – putting clients’ interests at the center of all that we do.

3. We are committed stewards of capital.  Therefore, we will:

   • Treat capital as scarce and dear.

   • Help our clients understand what their capital can (and cannot) do as part of a “plan to policy” approach.

   • Make thoughtful and prudent investment recommendations.

   • Prudently manage the costs of our clients’ experience with us – particularly around taxes, investment vehicle fees and trading.

   • Seek to understand and manage the risks that clients bring to us (starting points and exposures) and carefully explain the risks that we bring to our clients (recommendations).

4.  We maintain humility before the market.  Therefore, we will:

   • Have a bias against trading.

   • View passive investments as often attractive.

   • Maintain healthy skepticism regarding opaque, complicated or expensive investment structures.

5. We believe that small changes, consistently and persistently made, can have a tremendous long-term impact.

6. We insist that if someone is astute and capable enough to work at our company and make investment recommendations to clients, they should have an equity ownership in the firm.  All clients are served by an owner.