Markets are efficient and “beating” the market is highly unlikely and costly to attempt. The only acceptable risk is that which is adequately compensated by an expected return. EQUITIES / FIXED INCOME Allocate to equities for growth and fixed income to reduce volatility and conserve assets. BUCKET APPROACH Allocation is based on a “bucket” approach to account for individual’s goals, time horizon and risk tolerance for each account. DIVERSIFICATION Diversify broadly across asset classes. Rebalance systematically and avoid market timing. REDUCE COSTS Use passive/index funds to reduce costs, diversify and capture the full market returns. TAX SENSITIVITY Use tax-advantaged accounts, and harvest losses to avoid unfavorable tax consequences. FOCUS Ignore the noise. Interested to learn more? We would be happy to talk or meet with you and discuss how we can assist with your specific needs. Please use the link below to set up a call or meeting.