what do we mean by risk?
“Risk” is one of the most often used words in financial services and investing. But what kind of risk are we talking about? Risk often means different things to different people. For some people risk means the possibility of their account dropping in value, for others it’s not meeting future obligatory expenses, and in other cases it could mean underperforming a certain benchmark.
Unless we can define what risk means to you, we chance talking past each other, which increases the likelihood that the investment experience does not meet your needs and expectations.
Rather than subscribing to a single investment ethos like active versus passive investing or value versus growth, we rely on empirical data to build efficiently diversified portfolios that we believe will lead to better client outcomes.
intentionality with each position.
Blending passive and active investing offers the tax efficient benefits of ETFs with the increased potential of outperformance versus stock benchmarks. We introduce active management to client portfolios through the use of targeted ETFs and individual equity selections, a methodology we call semi-active management.
We are intentional with each security’s inclusion in a portfolio to assure accounts are adequately diversified, but do not mirror passive investment strategies.
