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Invest Smarter

Our investment methodology is built upon sector and style weighting, risk minimization and tax optimization. We'll construct a highly customizable portfolio based on your unique situation and goals.

Read Our Investment Strategy

A Sound Strategy

We’ll forecast your financial future through our Retirement Planner and help identify the optimal approach that meets your financial needs.



We’ll tailor your portfolio strategy to your specific financial situation and to your level of risk tolerance.



We’ll work with you to build an investment plan that is both cost- and tax-efficient.

Our Investment Strategy

We have developed our investing strategy based on a traditional index approach and improved upon it with our new award-winning technology and lower costs. Giving you a personalized portfolio strategy and two dedicated advisors to execute it.

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Key Investing Principles

Our Investment Committee oversees custom investing strategies based on the five principles shown here:

Modern Portfolio Theory

We determine optimal asset class combinations based on a common sense application of Modern Portfolio Theory (MPT), championed by 1990 Nobel Memorial Prize in Economic Sciences recipient Harry Markowitz. Fundamentally, we create an efficient portfolio for you, designed to yield the highest possible expected return for the lowest amount of risk. We believe assets should not be chosen individually, but should be considered in the context of how they interact with other portfolio holdings.

We work with six high-level, liquid, broadly investable asset classes, including US Stocks and Bonds, International Stocks and Bonds, Alternatives (such as ETFs and commodities), and Cash for liquidity. These all work together to minimize your risk and maximize your returns.

An Experienced Team Focused On
Building Your Net Worth

Our investment team collectively have spent decades investing billions of dollars for high net worth individual and institutions. The team includes visionaries in portfolio strategy, behavioral finance and consumer technology. They are dedicated to managing your strategic investment portfolios, including portfolio construction and monitoring, security selection and trade oversight.

Bill Harris

Chairman



Kyle Ryan, CFP®

EVP of Advisory Services



Craig Birk, CFP®

EVP of Portfolio Management


Visionary Thinkers Lead
Our Board of Academic Advisors

The members of our Board of Academic Advisors are world leaders in their fields and bring unprecedented power to our ability to conceptualize new and better ways to help our clients. Their work has helped millions of Americans reach their retirement goals through better portfolio construction and increased retirement plan savings. We are committed to designing innovative solutions to help American households make better financial decisions.

Shlomo Benartzi

Behavioral Finance Expert



Harry Markowitz

Portfolio Strategy Expert