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Our Investment Process

Quantitative Analysis of Investment Vehicles

We begin with the entire universe of publicly available ETFs and mutual funds, and we screen and score each for attributes we prefer for our clients. We give higher scores to investments with broad exposure, solid risk-adjusted performance over time, and low internal costs. We also score other factors such as liquidity, tax-efficiency, income yield, and historical volatility of the investment.

Do you need Sustainable Income?

To be included in one of our Sustainable Income Portfolios, the investment holding must have an above average income-yield for its asset class. Each Sustainable Income Portfolio (excluding the Ultra-Conservative) contains three asset classes: Stocks, Bonds, and Alternatives (Alternatives such as real estate and preferred stocks that are not directly correlated with stocks or bonds)

Are you keenly focused on keeping costs/fees low?

If you are keenly focused on keeping investment fees/costs down, we have portfolio offerings that screen out all investment vehicles with above average transaction and holding costs in each asset class. The average annual asset-weighted expense ratios for these low-cost portfolios is less than 0.25% per year. 


Interested in socially conscious/responsible investing strategies, or do you wish to invest for 'impact'?

We can take into consideration the "impact" of your investment dollars. We have socially conscious portfolios that focus on environmental, social, and governance issues. We include both strategies that screen to exclude "bad" exposures, and others that invest in themes that are purposeful in their focus on more responsible environmental, social, and governance impacts.

Are you at a point in life where you need to be Conservative? How about Aggressive?

If you are young and have more than 10 years until retirement, you want to invest aggressively. Or maybe you are retired but enjoy investing aggressively. We design aggressive portfolios that exclude all investments that have overly conservative attributes. Conversely, if you wish to be conservative in your investments, we design conservative portfolios that screen out all investment vehicles with above average historic volatility.

Are there economic themes on the horizon that are positive for the asset class? Negative for the asset class?

Each year we discern three economic themes that we see potentially impacting investments in different ways over the coming months. We then score each potential investment vehicle based on how those themes will impact each asset class, and choose to include investments in our portfolios that will react favorably to our perceived economic themes.



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