Our Core Values

Strict confidence:  The state of data privacy, which is generally held under legal and ethical obligation of non-disclosure.

Appreciation:  Is expressed and received with dignity. Counting our blessings and helping others See theirs.

Collaboration: Authentic and passionate engagement with others towards meaningful, extraordinary results and relationships. All voices have value and importance.

Excellence:  A promise to those we serve and to ourselves to continually improve, raise your standards, and give your best.

Integrity: We are honest and authentic in all of our actions and relationships, with a willingness to accept discomfort to maintain it.

Passion & Fun: Having enthusiasm and passion for our profession while creating a happy and healthy environment.

Integrity Statement Integrity is a fundamental part of our philosophy. Our commitment to integrity means that all of my actions and relationships are based on these uncompromising values

Uncompromising Values

  • Our Business Approach, Using the Efficient Market Theory, Modern Portfolio Theory, and the Fama French 4 Factor Model.
  • Communicate honestly.
  • Comply with applicable laws and regulations.
  • Deal fairly in all our relationships.
  • Take responsibility for our actions.
  • Honor our commitments and obligations.
  • Treat each other with respect.
  • Commitment to steady, long–term improvement
  • Approach our work with a focus on results, a sense of timeliness, and a healthy dissatisfaction with the status quo. Demonstrate leadership which encourages teamwork, open communications, and mutual trust. Maintain our firm’s independence and local control to better serve our community’s clients and professionals.

Ten Beliefs Underlying Our Investment Process

  • Remain humble.
    No one can predict the future. There are simply too many variables.
  • Don’t confuse likelihoods with certainties.
    You can calculate probabilities, but there are no guarantees.
  • Be prepared for the unexpected.
    History provides insights about the future, but it won’t repeat itself.
  • Academic research finds “truth” by looking
    Consider how it will translate in the future.
  • Good ideas take time to mature.
    Knowing something will happen is not the same as knowing when.
  • Controlling expenses is important.
    Reducing fees, transaction costs and taxes improves results.
  • In my opinion, It is difficult for active managers to add value.
    Reaping their value requires knowledge and patience.
  • Diversification works.
    But it should be done intelligently to avoid over-complexity and excess costs.
  • Emotion is the enemy of good decisions.
    Discipline is important. Judgment and restraint are mandatory.
  • Every portfolio has an investor attached.
    A portfolio is the result it produces and the experience it creates.

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