We offer three classes of portfolio models, with each class adding a bit more of our unique expertise. Clients may combine portfolios within their accounts.

Our Conventional Diversification Models use four equity funds and five fixed-income funds - all from Vanguard and averaging 0.05% in fees - to deliver the industry standard in investment performance from the two most common asset classes. They never hold gold, other commodities, or real estate investment trusts. These models deliver a similar experience to what you might get at a best-in-class 401(k) manager or a major robo-advisor, so when the S&P 500 is up, your account will be up, and when it’s down, your account will be down. Over the long-run, these models should do well (and they have done great since 2009), but we have made no effort to optimize them for risk-adjusted returns.

Our Enhanced Diversification Models use the same low-cost Vanguard equity funds as above, but emphasize Treasury bonds over corporate bonds for greater downside protection, and include real estate investment trusts and gold, for a total of 5 asset classes. These models tend to offer similar long-term returns with more stability and less downside than conventional stock & bond portfolios, due to moderately lower stock market correlation. They remain buy & hold portfolios with no tactical input and very low tax profiles.

Our Global Enhanced Alpha (GEA) tactical models start with an even wider variety of global asset classes. We then apply proven trend and momentum signals to concentrate in the assets that are trending upwards and shed those that are declining. Each GEA portfolio is in-turn composed of three distinct sub-strategies; an aggressive strategy designed for outsized returns during equity bull markets; a defensive strategy designed for capital preservation; and an alternative strategy designed for uncorrelated returns. The net result is strategy diversification on top of underlying asset class diversification, for potentially unparalleled levels of return per unit of risk.