Our Investment Philosophy
Our investment management services are designed to help physicians grow and protect their wealth. Using evidence-based strategies, we create portfolios that align with your goals and values.
Efficient Market Hypothesis:
Market prices quickly reflect all available information, making it hard to consistently outperform the market. New information is quickly incorporated into prices, leaving little room for advantage through stock-picking or timing.
If this is true, owning the entire market is likely to lead to better outcomes than attempting to pick individual stocks. For example, see the percentage of professional investment managers that underperform the market index after fees below:
So, what should investors do? The best approach is to focus on the evidence and take charge of the things they can control. What can you control, you may be asking?
Let Markets Work For You
Financial markets have consistently rewarded long-term investors. By supplying capital, people naturally expect a positive return, and historically, both equity and bond markets have delivered wealth growth that has outpaced inflation over the long term.
Diversify Globally
Diversification is the only free lunch in investing—it allows you to achieve higher returns with lower standard deviation (fluctuations) through a globally diversified portfolio.
"Even DIY investing enthusiasts like me can benefit from professional advice and financial planning... If I were to design an advisory service model, this would be it. Different levels of support and cost for those learning to DIY invest and requiring a comprehensive plan vs expert DIYers who just need a professional second opinion. Most DIY investors need a comprehensive plan at some point - particularly when taxes, drawdown planning, and estate planning loom. There is even the option for discretionary management for those who'd rather free up their time or want to build a trusted relationship before they experience cognitive decline. Importantly, at a set fee rather than an endless % of AUM cost. Most of us will move through all of these stages. So, having it in one place where you can build a trusted relationship and shift as your needs shift is key."
Keep Costs Low
Investing isn’t like booking a hotel room—paying more doesn’t get you better views, more space, or superior service. In fact, Morningstar research shows the opposite: there’s often an inverse relationship between investment costs and performance.
Avoid Timing The Market
The best and worst market days often occur close together. Investors who tend to trade on bad
news after the market realizes the news, then often miss the upside right afterwards. RBC research highlights how missing just a few of the best days since 1973 can dramatically impact long-term returns.
Manage Your Emotions
In his book The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money, Carl Richards introduces the concept of the “Behavior Gap.” This gap represents the difference between the return an investment generates over time and the actual return investors earn from that same investment. Morningstar has quantified the behaviour gap over long terms.
Book Your Free Initial Consult
A simple chat about what your goals are and how we can support you.
Our consults are totally stress and pressure-free. Guaranteed.
Our Investment Philosophy
Cost-conscious investing plays a key role in your overall investment return. However, we believe we add significant value by creating investment discipline, supporting decision-making, maintaining asset allocation, providing tax reporting, following the evidence, addressing financial planning concerns, and offering peace of mind that everything is managed for you.
Our goal is to align our fees with the value we provide, ensuring you maximize your potential to reach your long-term goals. We achieve this balance through our unique capped fee structure.
Comprehensive Investment Management
Perfect for those who want professional investment management and reporting. Includes all Outpatient services in addition to evidence-based portfolio management. Our Inpatient Fees include a 1% AUM that is uniquely capped at $10,000/year per household (inclusive of all individuals in the household and corporations).
We chose to outsource our investment management to him, the outcomes have been great, the cost is transparent, and the value is exceptional."
