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Beliefs and Experience

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My Behavioural Journey

Everyone encounters a point in their career where a pivotal decision is required. For me, that happened in 2009. I had been a financial advisor since 1993 and using investment policy statements (IPSs) to manage portfolios and guide investor behaviour. But I realized I could write IPSs on my own using much cheaper products while…

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Beliefs

Research and evidence based (academic, dispassionate, independent) Markets work (i.e., markets are “highly efficient”) Tactical overweights and underweights based on valuations and risk Emotional and behavioural factors play a bigger role than most acknowledge Long-term perspective (preferably 20+ years) Diversification within and throughout many asset classes Account for taxes, both risk tolerance and risk capacity,…

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A Fee-Based Practice

In building portfolios, I primarily use (F Class) Offering Memorandum (OM) products and Exchange Traded Funds (ETFs).  The fee is in proportion to the size of total household investable assets and is reviewed and renewed annually.  It is set at $3,500 on all assets up to the first $250,000; 0.8% on all additional household assets…

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Applied Portfolio Management

Returns are often highly variable. In the short run, returns are unknowable, while in the long run they are nearly inevitable.  For planning purposes, please consider a time horizon of 4 years or less to be the short term, 4 to 10 years to be the medium term and anything over 10 years to be…

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How I Apply the STANDUP Planning Process

I help people to prepare for financial independence - I help people make informed decisions with their money. Still, I recognize that many people come to me primarily as an investment advisor who does planning. Planning might include specific plans for estate planning, insurance, and tax reduction. If you engage me, a letter of engagement…

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