We believe in embracing what academia and research have taught us. That timing the market and stock picking is a challenge (research would suggest it's impossible), and that a low-cost diversified approach to investing is the best way to consistently deliver solid and consistent results. Using
modern portfolio theory, we build portfolios that fit the risk tolerance of our clients. We keep taxes and turnover low, diversify globally, rebalance regularly, and keep a long-term view with our investments. We hold true to the statement "time in" the market, is more important than "timing" the market.