What is Our Approach to Investments? (Horseshoe Bend, AZ)

Our Approach to Investments

Location: Horseshoe Bend, Colorado River, Arizona

A Scenic Perspective

Hey folks—today I find myself at the famed Horseshoe Bend of the Colorado River here in Arizona. It’s a chilly but bright day, and it’s absolutely beautiful.

Let’s Talk About Investing

Today, I want to share a bit about our approach to investments.

No Crystal Ball

First and foremost, let’s get this out of the way:

I don’t have any special information or secret skill that can tell you which stock will outperform another, which sector of the economy will take off, or which country will be the next growth hotspot.

I also can’t predict where interest rates are going better than anyone else.

And honestly—in my 20+ years of experience—I haven’t found anyone who consistently can. I don’t know how to find someone who can find someone who can.

The Core Strategy: Keep It Broad and Efficient

So our investment approach is general and disciplined:

-We aim to get broad market exposure.

-We use low-cost, tax-efficient, index funds.

-We don’t try to beat the market or chase after top managers.

We believe in getting the return the economy gives us, rather than relying on speculation or elite manager selection.

Matching Risk with Reality

Here’s how we tailor the portfolio:

-We look at the appropriate level of risk by adjusting the mix of stocks and bonds.

-We talk very specifically about how much money you could expect to lose in a downturn.

-We make sure the risk profile matches your emotional tolerance—your “stomach” for risk.

Your Personal Timeline Matters

We also take into account:

-When you need the money

-How much you need

-What your overall time frame is

With that info, we build a portfolio so that time works in your favor, helping you weather the risk and allow economic growth to work for you over time.

Asset Placement: Making the Most of Every Account

In addition to choosing the right mix of assets, we also consider where to place them:

-Sometimes it makes sense to hold bonds in one account and stocks in another.

-We consider the type of accounts: Roth IRAs, pre-tax retirement accounts, and taxable accounts.-

-We optimize placement to match your personal financial picture, while still avoiding overcomplicated or speculative positioning.

No Betting, Just Strategy

What we don’t do is place bets:

We don’t gamble on the idea that we know more than the rest of the market.

We build your portfolio with strategy, discipline, and alignment with your goals—not manager risk or market timing.

Final Thought

That’s our approach to investments—broad, informed, and customized to you, without pretending we have a crystal ball.