Framework: Investment Management

This is one of the two main frameworks that outline how we, as fiduciary advisors, approach investment decision-making. It is the internal foundation we follow consistently to deliver objective, integrated advice — one that reflects the realities of life, regulation, markets, and human behavior.

At its core, true investment advisory is not about prediction — it’s about planning. It’s a disciplined, long-term process built on understanding your financial life, aligning decisions with goals, and using strategies grounded in evidence and prudence.

Our Investment Framework is not designed to chase headlines or predict markets. It is designed to bring structure, clarity, and long-term discipline to our clients’ financial lives.

By anchoring every investment decision in a tailored plan — and by using time-tested analytical tools, and disciplined allocation — we help clients stay focused on what truly matters:

While our financial planning framework provides provides the structure — our investment strategy provides the execution. Once we’ve clarified the goals, timeframes, and funding needs, we begin building investment allocations that align with those short and long-term objectives.

We center our investment decisions around three guiding principles:

• Controlling risk before chasing return

• Consistency and discipline over time

• Recognizing and adapting to market inefficiencies

  
  
  
  

These principles help us avoid speculation and overconfidence, while focusing instead on durable strategies that work across different environments.

Long-term investing should be strategic — not reactionary. Our portfolios are built for longevity, aligning with clients’ goal timelines and tax realities. We avoid unnecessary short positions, speculative trading, or frequent rebalancing that could erode returns through costs or taxes.

Instead, we prioritize tax efficiency, cost control, and thoughtful asset placement. Our process minimizes friction while maintaining long-term alignment with the financial plan.

Our investment process includes three key areas:

1. Time Horizon and Planning Buckets

   We segment time into three distinct categories:

   1. Near-term (0–18 months): Liquidity-focused, low-volatility instruments intended for immediate goals and managing market corrections or recessions.

   2. Mid-term (18 months–7 years): Balanced allocations focused on moderate growth and principal preservation. This maintains lifestyle and provides flexibility in various economic cycles, and bear market opportunities.

   3. Long-term (7+ years): Growth-oriented portfolios designed to build and grow wealth beyond generations

      
      

2. Asset Types, Sectors, and Classes

   We diversify portfolios not just by asset class, but by the role each asset plays. Our primary groupings include:

   1. Fixed Income and/or Equity Securities: Core investment building blocks with different characteristics and applications.

   2. Equity Sectors: We recognize three major sector types: Defensive, Cyclical, Sensitive.

   3. Alternative Solutions: Including narrow specialty, factor-based, real estate, partnerships, international developed and emerging markets, derivatives and others.

      

3. Investment Analysis and Methodologies

   Our investment analysis emphasizes two primary disciplines:

   1. Fundamental Analysis: Company-level and sector-level evaluations based on earnings, valuation, capital structure, and financial health.

   2. Cyclical Analysis: Studying business cycles and economic signals to understand broad macro positioning.

   3. While we monitor economic trends, they are not central to our decisions — as they often lack precision, repeatability, and real-life applicability. These are already indirectly reflected in the fundamentals of target investments. Similarly, technical and charting methods may be reviewed, but they are not a critical part of our framework.

Ready to See How This Framework Can Work for You?

We invite you to schedule a complimentary consultation where we’ll walk you through our planning and investment framework in action — using real-life examples and sample work. Whether you’re navigating a transition, thinking about the future, or just want a second opinion, this is a chance to explore what’s possible with a personalized, structured approach.

Book your complimentary meeting today.