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.