Investment Approach

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Investing well is not hard -- it's quite simple

We focus on investing for the long-term, to achieve lifetime goals.

We do not pick stocks, or promote investing in individual stocks.

We do not try to "time the market".

Long-term steady investing is proven to be the sound approach.

Emphasis is on low-cost index funds

Index funds, for stocks and/or bonds, provide low-cost efficient vehicles for investing.

We provide data-driven, sound investment recommendations.

Advice is specific to the client's risk tolerance, risk capacity, time horizon, and individual financial goals.

Enabling self-management of investments

We provide specific investment recommendations.

We provide assistance to implement the recommendations -- as much help as the client wants or needs.

We are not custodians of investment portfolios, we empower clients to self-manage their funds.

Self-managing is quite easy and satisfying.

This approach removes the perceived complexity of investing.