INVESTMENT APPROACH
The Traditional Approach
Most advisors attempt to determine the appropriate level of risk in a client's portfolio by considering factors such as Age, Time horizon, and Risk Tolerance.
Next they implement an investment strategy (e.g. 60/40) using individual securities/ETFs/Funds for the entire portfolio
Our Segment based Approach
We believe that a single investment strategy/plan based on a single "risk-number" is a sub-optimal oversimplification. A person's investments have multiple goals and varying risk tolerances.
Our approach is to segment the overall portfolio into bins/categories and associate each bin with its own Objective, Time horizon, and Risk Tolerance
Our Investment Philosophy
We generally do not invest in individual Stocks/Bonds/REITs. Our investment universe is primarily ETFs of broad Indices: Stock Indices, Bond Indices, Treasuries Indices, REIT Indices, Gold ETFs, Commodities Indices and US Dollar Index and sometimes their leveraged versions. We mix them in efficient ways to create our portfolios with varying risk. Sometimes we may invest in Structured Products to take advantage of unique risk/reward opportunities.
We do not invest in Cryptos, non tradable REITs/BDCs/MLPs