INVESTMENT MANAGEMENT

You don't have to watch the markets. That's my job.

How your money is divided among stocks, bonds, and cash is the single biggest driver of both your long-term returns and the ups and downs along the way. So I focus first on the whole portfolio — how the pieces work together — building broadly diversified portfolios that seek to balance return and risk, based on your goals and your tolerance for volatility.

Once the asset classes are set, I choose the specific investments to fill them. I generally use a blend of exchange-traded funds (ETFs) and actively managed mutual funds, depending on the asset class. My research has led me to a clear view: some asset classes genuinely benefit from active management, while others rarely outperform their benchmarks and are better served by low-cost, index-style exposure.

Setting the right allocation is only half the job — keeping it there is the other half. Markets move, and over time a portfolio drifts away from its targets. I monitor for that drift on an ongoing basis and rebalance as needed, so your portfolio keeps doing what it was designed to do.