Evidence-Based Investing

Backed by Science

Our investment strategies are founded on Nobel Prize winning academic research. This means more than just returns. It offers you the peace of mind because you know that a transparent approach backed by decades of top research is at the front of each decision we make.

Process-Driven

Research has shown that the financial markets reward discipline over the long-term. Our clear and simple process it to focus on what we can control: keeping costs down, managing risks, minimizing taxes, and staying disciplined through the market’s ups and downs.

Minimize Risk

Financial research indicates we can minimize risk and volatility through balanced global diversification.

This provides you with better overall investment experience.

Fee Schedule (No Minimums)

Assets Under ManagementAnnual Fee (%)
$0 to $500k0.50%
$500k to $2 Million0.40%
$2 Million to $5 Million0.30%
$5 Million to $10 Million0.25%
$10 Million+0.20%

Tax-Efficient Investing

Taxes are the greatest cost to investing. That’s why we focus on strategies that increase your after-tax return. For most of our clients, the increased tax-efficiency more than pays for our low fees.

Asset Location

We determine which accounts (tax-deferred, tax-free, taxable) should hold which assets in order to maximize after-tax returns.

Tax-Loss Harvesting

Losses are harvested to offset other gains and up to $3,00o of ordinary income. The sold security is replaced by a similar asset.

We combine tax-loss harvesting with asset location to produce even greater long-term tax savings for you.

Tax-Efficient Funds

We use tax-efficient etfs and mutual funds. Assets are selected based on  for your unique tax circumstances in order to minimize taxes.

For high-income earners, we utilize municipal bonds to provide tax-exempt income within your taxable accounts.