Investment Management

Investment Management & Portfolio Solutions

We provide investment management services for clients in Colorado and other states with recommended portfolio values of $100,000 and up. However, we are willing to make our valuable services available to nearly anyone.

Our investment management philosophy adheres to Nobel Prize winning academics and theory using world class institutional passive and sometimes active asset class managers, typically only available to large pension plans and other institutional investors.

Investment management practices are highly disciplined and do not deviate from certain core beliefs:

We believe...

• Stock picking and market timing is futile - we act as an objective, independent and trusted investment advisor;

We believe...

• There is no "magic bullet" investment strategy to beat the markets consistently or predictably;

We believe...

• No one can promise investment returns. We focus on planning for - and achieving - your financial goals regardless of market conditions;

We believe...

• Financial advisor professionals should be as objective as possible and compensated accordingly. We are not compensated by any investment or insurance companies to "sell their stuff" like other "financial advisors";

We believe...

• Financial Advisor Professionals should be held to a fiduciary standard. Unfortunately, many are not! Our primary focus is helping clients meet their investment objectives allowing them to realize their financial goals;

We believe...

• Investment portfolios should be engineered to be broadly diversified, low-cost, tax-efficient, and custom tailored for each clients time horizon, financial &retirement goals, ability and need to take risk;

We believe...

• All clients should have a structured Investment Policy Statement detailing the investment management philosophy, tools, strategies, and rebalancing procedures to increase consistency and improve clarity between advisor and client.

There are plenty of "market timers" and "stock jockeys" out there who believe in the proverbial crystal ball - we're neither! Most research clearly demonstrates that only a small percentage of mutual fund managers will have good performance relative to their peer benchmarks. The problem is those "lucky" managers cannot be identified in advance of their out performance on a consistent basis. They'll claim great past performance and they may even promise great future returns. But identifying them on a consistent, long-term basis in advance of their so-called "out-performance" is simply impossible. And, the extra costs they usually pass on to you, does not provide an extra value to you and your life goals.

Since it's clearly a futile attempt to predict future out-performance, we choose to accept market-performance for most, if not all, asset classes. Our goal is always to achieve the risk-adjusted returns you and your life goals require rather than to attempt to outperform any one market. Our investment management philosophy is grounded in solid principles of low-cost broadly diversified and risk managed portfolios with consistent and proven portfolio rebalancing strategies in place for each client.

Not every client needs the extensive financial or retirement planning services provided by a CERTIFIED FINANCIAL PLANNER ™, but together we'll identify the issues which may need to be addressed in order to achieve your retirement and financial goals. We'll then determine the planning services appropriate for your unique situation.