Our 10 Investment Principles

1. Purpose Before Product Every portfolio begins with why—retirement income, legacy gifts, or buying back your time—not with the latest market craze.
2. Real Risk = Falling Short We measure success by whether you reach your goals, not by daily price swings.
3. Dividends that Grow Owning companies that raise their cash payouts year after year builds durable, spendable income.
4. Private-Market Alpha Select private credit, real estate, and equity deals can add extra return and real diversification you can’t get in public markets.
5. Intelligent Allocation Our rules-based engine continuously rebalances toward the best risk-adjusted opportunities—so you stay on track without second-guessing.
6. Tax Before Ticker Putting each investment in the right account (taxable, IRA, Roth, trust) often adds more value than chasing an extra percentage of return.
7. Invest in Tomorrow We back innovators—AI, digital infrastructure, healthcare tech—while demanding sound fundamentals and sensible prices.
8. True Diversifiers Only We use alternatives like infrastructure, gold, and Bitcoin sparingly to cut correlation and protect purchasing power.
9. Behavior Over Forecasts Discipline, automation, and coaching keep emotions from derailing long-term returns.
10. Money Matched to Timelines Near-term needs stay safe; long-term buckets keep growing—so every dollar is working on the right schedule.