The preservation and growth of each client's wealth is our first duty. We follow a disciplined investment process, designed to capture the return dimensions of the markets. Investment Management is included in our offering for Wealth Management clients.
Our Core Investment Philosophy:
We believe that markets work, and over time, capitalism thrives – overall success in the market is not because markets fail, but because they succeed. It is very difficult to know what is luck and what is skill – we believe crystal balls belong in the circus, not investment or wealth management.
As a fiduciary (client’s interests come first), we believe it is important to have and adhere to a prudent process of investing. We identify dimensions of risk and return that will satisfy desired expected returns for our globally diversified portfolios. We then apply an independent 11-point fiduciary screening across the mutual fund universe, to identify investment opportunities that will capture the desired risk / reward dimensions. Then we dig deeper, to identify funds with a consistent and repeatable process that should consistently produce the dimensions risk / reward we are looking to achieve. Finally, we craft the portfolio in a way that each fund complements the other to “smooth the ride” through market swings. Ultimately, the result is a portfolio that should provide the desired returns to achieve your financial goals, without excess risk.
Our portfolios provide:
- Institutional level mutual funds,
- Tax efficient and tax optimal strategies,
- A consistent path to help you achieve financial success,
- Low-cost, globally diversified, market-based (passive) mutual funds and Exchange Traded Funds (ETFs),
- Client-specific solutions, such as long-term growth and income generation,
- Customization for executives with concentrated equity positions and stock options, while considering corporate and tax restrictions.
Providing clients with a first-class wealth management experience requires a strong team. We focus on our core competencies—portfolio management and financial planning—and outsource to carefully chosen partners who are experts in their respective fields.
We think this approach allows us provide a broader range of services to clients, both higher in quality and efficiency than if we did everything in house. Most importantly, we are able to put our full attention where it belongs: Servicing the needs of our clients.
Dimensional Fund Advisors is a leader in developing asset class portfolios for institutional investors and independent investment advisors. Dimensional's mutual funds are designed to meet the needs of professional investors, and the firm's resources are devoted to improving these strategies wherever possible.
Fund shares are not available directly to individuals but are limited to clients of a select group of financial advisory firms, such as Summit Wealth Advocates. Our relationship with Dimensional is long-standing and based on shared views about how capital markets work and how best to provide clients with a successful investment experience.
Dimensional's investment strategies are supported by extensive historical research, which documents a reward for taking specific risk. Since the firm was founded in 1981, Dimensional has continued to work with some of the world's leading financial economists to develop and enhance its strategies.
Charles Schwab Institutional has a long history of working exclusively with independent financial advisors. Schwab is the largest provider of dedicated custodial services to the independent investment advisor community, and offers investors a variety of advantages such as the convenience of local branches, specialized institutional trading, banking, trust and pension services, cash management tools, and 24-hour online account access.
Schwab provides cost-efficient access to the wealth management and investment products our clients need, with the financial safety and security that is crucial in today's economic environment. Schwab is also a leader in technological innovation, which allows us to manage portfolios with efficiency and precision.