Regardless of the specific investments chosen for a portfolio, our philosophy is grounded in strategic and tactical asset allocation. We are different based on how we execute this.

We are different for three key reasons: 1) we primarily use exchange-traded index funds, 2) our asset allocation strategies incorporate a flexible allocation range for each asset class and 3) we regularly compare the portfolio's performance to an appropriate blended benchmark so you can judge your progress.

Index funds allow us to focus on allocation, the most important factor in performance, rather than on stock or manager picking. Plus, index funds are cost effective and usually tax-efficient. A flexible allocation range for each asset class allows us to add value by over or under-weighting a particular asset class. Lastly, we'll show you performance results that are meaningful - versus your goals. It's straightforward, and that is different.