Our Philosophy Our investment philosophy is 100 percent driven by the science of capital markets and the decades of academic research that provide the foundation for its application.  Markets are unpredictable in the short term, but capital markets work and create wealth over time.  What is important is creating a life-time investment plan that will meet client needs and developing the discipline to stick with that plan.  It is not important what the market does on any random day, month or year.  To view the stock market any other way is to view markets as a casino, a purely speculative venture.  If you don’t believe that you should not own stocks; and you should not hire us. In essence:   Capital Markets Work and Create Wealth Diversification is Key in Portfolio Construction Risk and Return are Inextricably Intertwined Portfolio Structure Explains Performance Investor Behavior Determines Performance