Intelligent + Asset Allocation
When the market seesaws, your investment framework is solid. We help clients create a systematic, rational framework for making investment decisions, aimed at realizing your most important life goals. To ensure accountability, as well as cost and tax efficiency, assets are managed individually and not as pooled funds or farmed out to third party money managers.
Every relationship starts with a financial review to to create a logical basis for accepting and rejecting risk in the investment plan, to determine each client’s financial situation, investment objectives, and risk-taking capacity. Based on this review, we provide a written Investment Policy Statement (IPS), summarizing objectives, allocation guidelines, investment restrictions, reporting and performance requirements. Going forward, the IPS provides an advance strategic roadmap and a mindset for dealing with market fluctuations, one of the more vexing aspects of investing for many.
TWM's focus is not on timing markets or on economic forecasting, but rather on those things we can control and which add value to a portfolio over time: asset allocation, diversification, keeping turnover, costs and taxes low, how much we spend and save, and our own behavior. These are the fundamental determinants of investment success.
Intelligent + Asset Allocation, refers to the intersection of two powerful investment approaches: asset allocation and value investing. The combination adapts the benefits of a systematic, endowment style of investing to the unique concerns and goals of individual investors. While asset allocation and diversification are the primary determinants of risk and return in a portfolio, we maintain a healthy regard for the price paid for an investment -- another thing one can control.
Finally, our experience teaches us that education and consistent, focused communication is essential to the success of an investment plan and an advisory relationship.