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How do you choose which investments are right for me?

When we develop our investment portfolios, we employ a consistent, time-tested approach to ensure the investments chosen are right for you. Ongoing monitoring, risk management, and periodic rebalancing play a key role in the process. Adjustments are made as needed to work towards achieving the long-term objectives of the portfolio.

We identify asset classes for inclusion to produce broad diversification at a low cost through the use of index tracking ETFs. Asset classes are selected carefully to minimize correlation between each other, thus minimizing short-term volatility while maximizing long-term performance. We prefer to use ETFs as they are efficient to trade, are generally low-cost, and are typically designed to track the movement of market indices. When selecting ETFs we look at the cost, performance, and history of the ETF. In every case, we want to choose the best-in-class ETF for each asset class in your portfolio.

To ensure our portfolios are tailored to our client's goals and tolerance for risk, we quantitatively optimize each asset class in the portfolio to determine appropriate weightings. This allows us to maintain high returns for a given level of risk. The result is an optimized asset allocation that is just right for you.

During the account application process, a diversified portfolio comprised of 8-10 individual ETFs will be recommended for you based on an assessment of your risk tolerance, investment objectives, and the type of account you are opening.

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