Investment Philosophy
Our approach to helping you reach your financial goals
Our Three-Part Philosophy
Your Goals Get Their Own Portfolios
Most platforms give everyone the same five options based on "risk tolerance." We think that's backwards. Instead, each of your goals - whether it's a house down payment, retirement, or your kid's college fund—gets its own custom portfolio designed specifically to hit that target by your deadline.
Your Strategy Adjusts as You Get Closer
Think about saving for a house. Five years out, you can handle some market swings. One month before closing? A 20% drop would be devastating. Our approach automatically dials down risk as you approach each goal's deadline, protecting what you've built while giving you growth potential early on.
You Get Access to Institutional Investments
While most platforms limit you to a handful of US stock and bond funds, we build your portfolios from 50+ global asset classes, the same sophisticated strategies pension funds and endowments use. Research shows this approach has delivered 35% higher returns than domestic-only portfolios, with better protection when markets get choppy.
Why Goal-Based Investing Works
Here's something behavioral economists discovered: your brain naturally thinks about money in buckets, not as one big pile. Traditional investing fights against this. Goal-based investing works with your psychology, not against it.
You stay disciplined through volatility because you understand why each portfolio is invested the way it is
You make better decisions because you're not guessing whether you're "on track"—you can see exactly how each goal is progressing
You actually save more because concrete goals motivate better than vague notions of 'growing wealth'
It's not just better math. It's better psychology.