We keep investing boring, as it should be.

We believe in the cliches.

Custom portfolios, complicated strategies, meme investments: we shelve the flashy ideas to focus on what works.


Time in the market beats timing the market.


Don’t put all your eggs in one basket.


Asset location is as important as asset allocation.


Slow and steady wins the race.


Time in the market beats timing the market.

Missing the best 10 days of the market from 2001-2020 resulted in less than half of the total return of staying invested. We believe no one can predict future market swings and controlling one’s behaviors is half the battle of effective investing. Trying to predict when to buy or sell is a fool’s game whereas consistent, disciplined, long term investing is a proven method for success.

Annual Return S&P 500 Index (TR)
2001 - 2020


S&P 500 Index


Excluding top 10 days


Excluding top 20 days


Excluding top 40 days


Excluding top 30 days

Source: Bloomberg as of 12/31/2020


Don’t put all your eggs in one basket.

When we build portfolios, we diversify your asset classes and volume according to your risk tolerance. Even the most aggressive investors benefit from spreading their funds across different investments and stocks, because anything can happen over time.

Preservation Portfolio

Low risk

High risk


U.S. Equities


U.S. Bonds


International Equities


Emerging Markets


Inernational Bonds


Real Estate



In general, we’ll steer you away from puting all your eggs in one basket/stock/coin/etc. Data shows time and time again, it’s very difficult to beat the market and advertising that claims to guarantee that you will is BS.  The most important factor in your long term success is sticking to a savings plan and investment strategy that has low fees and is well diversified.


Asset location is just as important as asset allocation.

At the end of the day, how much money you make on your investments is secondary to how much you actually get to keep after taxes. Knowing how to distribute your investments between tax-free, tax-advantaged, and taxable accounts can make a large difference in your returns. We’ll help you navigate this dance to ensure you’re paying the lowest tax bill possible allowed by the law.

401 (k) Match

401 (k)

Backdoor Roth IRA




Slow and steady wins the race.

We don’t chase hot “tips” or trade on whims. We do our research to provide you with portfolios that balance the appropriate level of risk for your age and goals. We’ll work with you to develop a plan that focuses your energy on what you can control — asset allocation, minimizing fees, weathering downturns, rebalancing, and spending strategies.

Net worth over 30 years

With Advisor
Without Advisor

1 Y

30 Y

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