• What is your investment philosophy?

    We believe passive, index-based investing is the right approach for the vast majority of people and circumstances for their core investment portfolio. If you prefer a primarily active investment policy, you should seek a different advisor.

  • Are your fees negotiable?

    Yes. That said, exceptions are very rare. We are required to apply consistent fee structures across our clients.
  • How often do you trade?

    As a passive investor, we recommend rebalancing once a year, perhaps twice a year.  Rebalancing may also be needed to adjust for a life event, such as a windfall.

  • How do you report investment performance?

    After all expenses, compared to an average of highly similar assets that includes dividends or interest income, over the short and long term.  If you wish to see investment performance that is also net of any sub-advisor fees, please contact us.