Investment Philosophy
The unwise investor is guided by emotion, psychological biases and a near-term outlook, leading to reactionary and ultimately detrimental financial decisions. The prudent investor makes objective decisions based on peer-reviewed academic evidence, with an eye toward long-term goals. I will pursue the latter category.
Asset allocation — how your portfolio is distributed among stocks, bonds and cash — is the most important factor in determining your long-term returns. My job is to continually monitor your portfolio and reallocate your assets as necessary in accordance with your risk tolerance, goals and investment timeframe.
Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs. Rebalancing and/or asset allocation does not assure a profit or protect against a loss.
All indices are unmanaged and may not be invested into directly.
High mutual fund expense ratios and other excessive fees erode your earnings over time.
I utilize low-cost index funds that are designed to replicate market indices like the S&P 500 and the Russell 3000.
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Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through TOP Private Wealth, a registered investment advisor and separate entity from LPL Financial