We help provide our clients with restful nights, knowing they have a plan that renders the market’s daily ups and downs irrelevant to their future prosperity.

Watch as Director of Research Larry Swedroe explains how we base everything we do and what we recommend on the latest academic research, not our opinion. "Investing, in order to be successful, not only requires a deep knowledge of the theory of finance, an understanding of markets, but you also need a deep history to understand how markets work and what products mix well together to build a portfolio."

The Science of Investing

Once we understand what each of our clients wants to achieve, we then focus on the most effective way to get there. This is where the “science of investing” comes into play. At the heart of our approach is what decades of peer-reviewed financial research and evidence have shown to be the best way to build long-term wealth. By investing in low-cost, broadly diversified funds and financial instruments and taking only the risk that is necessary and appropriate, our clients are able to effectively capture the returns the markets provide.

For managing your financial portfolio, we offer a prudent approach based on our fiduciary relationship with you as your trusted investment advisor.

Fiduciary duty is generally considered the highest legal duty one party can have to another. As a Registered Investment Advisor firm, we have a legal responsibility to always act in your best interests – and we take that responsibility very seriously.

We apply a passive investment approach, tailoring your portfolio’s level of risk (and its expected returns) according to your personal preferences, goals and circumstances. In addition to seeking broad global diversification according to the tenets of Modern Portfolio Theory, we assist with appropriate asset location between taxable versus tax-advantaged accounts.

We apply these techniques for individual investor, retirement plan sponsor and institutional client relationships alike.

“Many of your financial goals can span a lifetime, or even generations, so it’s important to prepare for uncertain events that could otherwise derail your overall strategy. Once we’ve defined your long-term objectives, our role also includes identifying potential threats to your success, and implementing protection against them.”

— Garth McBride, Cornerstone Financial