We believe our clients' long-term interests are best served by making decisions based on careful fundamental research, rather than pursuing what is temporarily popular and might be superficially appealing. Additionally, it is important to invest our clients’ money in funds that have low fees and are tax efficient.

We use the services of Litman/Gregory Analytics, LLC as our investment strategist and research source. Litman/Gregory Analytics, LLC, leverages the expertise and research access of its Litman/Gregory affiliates to provide us the highest quality research and information available in the industry today. Our portfolio models, based on Litman/Gregory’s research, incorporate tactical asset allocation using active managers. Additionally, we have passive model portfolios for investors whom we feel should implement our models with ETFs and/or index funds, rather than with active managers. These models may include institutional or advisor-only share classes of funds when appropriate. For high net worth clients, we can provide Separately Managed Accounts as well as alternative investments.

Strategic Approach versus Tactical Approach

A strategic approach involves setting a long-term target allocation, and maintaining this weighting on an ongoing basis. Financial markets are quite efficient—most assets are priced fairly most of the time (based on all publicly available information). It is difficult to “out-smart” the market. However, the market occasionally offers investors exceptional opportunities. This is why we use a tactical approach.

A tactical approach typically extends a strategic approach by providing for overweighting or underweighting asset classes as perceived market opportunities arise. Market opportunities arise from long-term trends, demographics, technological developments, global political developments and other important issues. When our fundamental research allows us to gain a high degree of confidence that a given class of investments is highly undervalued, we will overweight that class.