When markets are rational and efficient, staying close to a target asset allocation and having a long-term focused plan is paramount. Avoid short-term thinking, emotional investing and market timing. Those are ineffective and non-sustainable.

During irrational moments , information and access to unique opportunities are not accessible by the broader investors.

Investors who have access will be able to generate excess returns if they are able to invest in these stressful moments.

For markets that are rational, invest in risk factors that are persistent and empirical

For markets that are irrational and inefficient, invest in alternative strategies that take advantage of this

Our Investment philosophy reflects the unique perspective we have as an investment advisor that spans multiple asset classes and familiarity with estate planning

• Client investment objectives are often motivated by taxes and stewardship of resources
• Client investments are frequently designated for giving or to support a mission or charity, which necessitates protection against market volatility
• Create Bespoke Solutions to meet client needs

The Smiths lowered taxes by $1,341,000 while improving lifetime income and benefits for heirs. Planning costs were less than 1% of tax savings.