TRUST
THE PROCESS

OUR INVESTMENT PHILOSOPHY

We believe that no two clients are the same. Accordingly, we do not invest using cookie-cutter models, or place trades across all accounts with the click of a button.  Instead, we manage every portfolio one client at a time, customizing not only our approach, but our execution, to each client individually. While some in the industry argue that this process is inefficient, to us, success is not achieved through trading efficiency, but through true customization. 

We believe that most public markets are quite efficient and have factored in virtually all information and predictions. Therefore, we invest by managing risk, planning and understanding the importance of asset allocation rather than by predicting or listening to the latest hot news stories. At the heart of our investment philosophy is the belief that if you are on track to meet your financial goals, you should invest more conservatively and manage losses rather than take too much risk to strive for greater returns.

Our investment approach starts and ends with you. We customize our approach and decisions solely on your goals, needs and mindset. We educate you on the true nature of investing, ignoring hyped misinformation and instead understanding how your behavior can impact finances to help you avoid financial stress and pitfalls. Our AIRE 7-Step Process is an extension of our philosophy, and is designed with your peace of mind…in mind.

THE AIRE 7-STEP PROCESS

  • First, we will meet and get to learn all about you, your finances, and your specific goals. We will share all the details about our processes, fee structure, and give you educational resources that are easy to understand and access. We are a fee-only firm and we advise on all assets globally, so matter what your goals are, we strive to help you achieve them.

  • Next, we will get into the details of your finances and where you picture yourself financially in the future. This means identifying your life and financial goals, determining your desired retirement age, estimating the required amount of funds needed for you to retire, allocating your income into specific accounts, compiling a list of all your assets and liabilities, and understanding a full picture of you and your family.

  • The presentation of your financial plan involves assessing your progress towards achieving your goals. If you're on track, we'll explore how far ahead you are and identify your cushion. Alternatively, if adjustments are needed to align with your objectives, we'll discuss strategies to help you reach your financial goals. We will also review the allocation of all of your investment assets everywhere – not just those under our management – and will advise you accordingly.

  • Once we have the big picture plan, we need to put it in action. The goal is to create a tailored and personalized strategy that aligns precisely with your individual circumstances and objectives.

  • We provide continued monitoring and support by regularly reviewing your portfolio and tax management strategies throughout the course of the year. We engage in continuous research into stock and bond markets, alternative investments, and more. Monthly update calls are scheduled as needed, and clients have around-the-clock emergency access to us. Calendar year activities include handling tax reporting, managing retirement plan contributions and distributions, and addressing other pertinent financial matters.

  • We believe that investor behavior is one of the biggest drivers of investing success or failure. As such, we believe that education is key to long-term success.  As our client, you will receive simple and engaging content to help you understand our process and your portfolio. Through our YouTube channel, monthly educational newsletter, quarterly client events and more, we invite you to join us in a thoughtful and compelling dialog to guide you through the ups and downs of global markets.

  • Your comprehensive annual review – scheduled for the same month each year and held in-person or via video conference (your choice) – will include thorough portfolio updates, a family meeting involving the next generation when appropriate, a review of your goals and life vision, key educational topics, and most importantly, a presentation of your fully-updated financial plan. From there, we take your new plan of action, rebalance your portfolio, and implement any other pertinent actions.