{"id":227,"date":"2017-08-11T22:49:11","date_gmt":"2017-08-11T20:49:11","guid":{"rendered":"http:\/\/e-merald.com\/themes\/annuity-wp\/?page_id=227"},"modified":"2017-08-12T15:16:48","modified_gmt":"2017-08-12T13:16:48","slug":"investment-approach","status":"publish","type":"page","link":"https:\/\/e-merald.com\/themes\/annuity-wp\/what-we-do\/how-we-work\/investment-approach\/","title":{"rendered":"Investment Approach"},"content":{"rendered":"\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-white-bg\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-227-0\"  class=\"panel-grid row\"  data-cells=\"1\"  data-grids=\"3\" ><div id=\"pgc-227-0-0\"  class=\"panel-grid-cell col-sm-12 columns\"  data-cells=\"1\" >\n\n<!-- Text Block -->\n<div id=\"panel-227-0-0-0\" class=\"so-panel widget widget_annuity-text-block widget-text-block panel-first-child panel-last-child\" data-index=\"0\" >\n<p class=\"lead-text-large left-border-block text-black\">Our aim is to create diversified portfolios that earn favorable investment returns while reducing volatility and risk according to the parameters of each client's chosen investment model.<\/p>\n<p>We work to achieve strong performance over multiple market cycles, relying on the application of a proven investment process that is consistently applied.<\/p>\n<p>We adhere to an investment philosophy that values both vision and discipline and favors a buy and hold investment approach. We do not believe that long-term goals can be met by chasing short-term results. Instead, we focus on the larger picture while remaining mindful of the current environment.<\/p>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-left-col-fullwidth-image stripe-light-grey-bg\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-227-1\"  class=\"panel-grid row\"  data-cells=\"2\"  data-grids=\"3\" ><div id=\"pgc-227-1-0\"  class=\"panel-grid-cell col-sm-12 col-md-6 columns\"  data-cells=\"2\" >\n\n<!-- Single Image -->\n<div id=\"panel-227-1-0-0\" class=\"so-panel widget widget_annuity-single-image widget-single-image panel-first-child panel-last-child\" data-index=\"1\" >\n\t\t\t\t\t\r\n\t\t\t\t\t<figure>\r\n\t\t\t\t\t\t<img width=\"1000\" height=\"667\" src=\"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-content\/uploads\/2017\/08\/stripe-investment.jpg\" class=\"attachment-full size-full\" alt=\"Investment\" loading=\"lazy\" srcset=\"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-content\/uploads\/2017\/08\/stripe-investment.jpg 1000w, https:\/\/e-merald.com\/themes\/annuity-wp\/wp-content\/uploads\/2017\/08\/stripe-investment-300x200.jpg 300w, https:\/\/e-merald.com\/themes\/annuity-wp\/wp-content\/uploads\/2017\/08\/stripe-investment-768x512.jpg 768w, https:\/\/e-merald.com\/themes\/annuity-wp\/wp-content\/uploads\/2017\/08\/stripe-investment-900x600.jpg 900w, https:\/\/e-merald.com\/themes\/annuity-wp\/wp-content\/uploads\/2017\/08\/stripe-investment-540x360.jpg 540w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\n\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\n<!-- end Single Image -->\n<\/div><div id=\"pgc-227-1-1\"  class=\"panel-grid-cell col-sm-12 col-md-6 columns\"  data-cells=\"2\" >\n\n<!-- Tabs -->\n<div id=\"panel-227-1-1-0\" class=\"so-panel widget widget_annuity-tabs widget-tabs panel-first-child panel-last-child\" data-index=\"2\" >\n\t\t\t\r\n\t\t\t<div class=\"tabs\">\r\n\t\t\t\t\r\n\t\t\t\t<nav class=\"tabs-nav\">\r\n\t\t\t\t\t<ul class=\"tabs-list text-uppercase\">\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"active\"><a href=\"#tab-pane-140-1\">Smart<\/a><\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#tab-pane-141-2\">Efficient<\/a><\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#tab-pane-142-3\">Focused<\/a><\/li>\r\n\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t<\/nav>\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"tabs-content\">\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<!-- Tab Pane #tab-pane-140-1 -->\r\n\t\t\t\t\t<div id=\"tab-pane-140-1\" class=\"tab-pane\">\r\n\t\t\t\t\t\t<h5>A research-driven model<\/h5>\n<p class=\"text-aside\">Our investment philosophy is built on time-tested academic research into the behavior of financial markets and investors \u2014 financial science. Client portfolios are carefully designed to build long-term value through broad diversification, efficient allocation and tax-efficient strategies. It&#8217;s a consistent, objective approach. We don&#8217;t play the guessing game.<\/p>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<!-- Tab Pane #tab-pane-141-2 -->\r\n\t\t\t\t\t<div id=\"tab-pane-141-2\" class=\"tab-pane\">\r\n\t\t\t\t\t\t<h5>Keep more of what you earn<\/h5>\n<p class=\"text-aside\">Our research has led us to focus on the factors we can control, like fees and taxes. We receive no commissions or referral fees from the funds or managers we recommend, so our main concern is objectively and efficiently improving your financial wellbeing. With over a decade of CPA-based experience employing tax-loss harvesting and rebalancing strategies, we are experts at enhancing the bottom line.<\/p>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<!-- Tab Pane #tab-pane-142-3 -->\r\n\t\t\t\t\t<div id=\"tab-pane-142-3\" class=\"tab-pane\">\r\n\t\t\t\t\t\t<h5>Plan, don&#8217;t react<\/h5>\n<p class=\"text-aside\">Following our unique financial discovery process, your advisory team will craft a personalized investment program that reflects your goals, values and risk comfort zone. Once your plan is in place, we continuously monitor your portfolio and investments to help keep you on track. Feel confident that you have an investment approach based on a solid foundation\u2014and a partner on your financial path toward success.<\/p>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<\/div>\n<!-- end Tabs -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-transparent-bg\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-227-2\"  class=\"panel-grid row\"  data-cells=\"2\"  data-grids=\"3\" ><div id=\"pgc-227-2-0\"  class=\"panel-grid-cell col-sm-7 col-md-8 columns\"  data-cells=\"2\" >\n\n<!-- Text Block -->\n<div id=\"panel-227-2-0-0\" class=\"so-panel widget widget_annuity-text-block widget-text-block panel-first-child\" data-index=\"3\" >\n<h2 class=\"margin-bottom-5px\">Our Investment Philosophy<\/h2>\n<p class=\"lead-text-light margin-bottom-40px\">We build portfolios based on the science of capital markets using these academic investment principles:<\/p>\n\n<\/div>\n<!-- end Text Block -->\n\n\n<!-- Feature List: arrow marker -->\n<div id=\"panel-227-2-0-1\" class=\"so-panel widget widget_annuity-feature-list widget-feature-list\" data-index=\"4\" >\n\t\t\t\r\n\t\t\t<div class=\"feature-list arrow-list\">\r\n\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon extra-color\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-fw fa-chevron-right\"><\/i>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h6 class=\"title\">Risk Management<\/h6>\n<p>Investors must take risk to generate returns. Deciding how much risk to take, which risks to take, and monitoring those risks is extremely important.<\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon extra-color\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-fw fa-chevron-right\"><\/i>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h6 class=\"title\">Broad Diversification<\/h6>\n<p>A plan that is strategically balanced among domestic and foreign stocks, bonds, cash, and other investments reduces the risk of drastic changes in the value of your investments while giving your portfolio ample opportunity for growth. Diversification can improve your odds of holding the best performers and frees you from the guessing game. <sup>1<\/sup><\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon extra-color\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-fw fa-chevron-right\"><\/i>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h6 class=\"title\">Tax Awareness<\/h6>\n<p>Taxes can take a big bite out of your investment returns. Effective asset location, tax-loss harvesting strategies and a low-turnover approach can help boost your bottom line and keep more of what you earn.<\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon extra-color\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-fw fa-chevron-right\"><\/i>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h6 class=\"title\">Cost Efficiency<\/h6>\n<p>Excessive fees can drag down investment growth over the long term. Studies have shown that funds with lower fees have been better predictors of higher long-term returns than funds with higher fees or a fund-rating system. <sup>2<\/sup><\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<\/div>\n<!-- end Feature List -->\n\n\n<!-- Divider -->\n<div id=\"panel-227-2-0-2\" class=\"so-panel widget widget_annuity-divider padding-top-35px widget-divider\" data-index=\"5\" >\n<div class=\"divider-line grey-divider margin-bottom-20px\"><\/div>\n<\/div>\n<!-- end Divider -->\n\n\n<!-- Text Block -->\n<div id=\"panel-227-2-0-3\" class=\"so-panel widget widget_annuity-text-block widget-text-block panel-last-child\" data-index=\"6\" >\n<p class=\"text-small text-grey\"><sup>1<\/sup> Diversification does not eliminate the risk of loss.<br \/> <sup>2<\/sup> Russel Kinnel. \"How Expense Ratios and Star Ratings Predict Success\" \u2014 Aug. 2010.<\/p>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><div id=\"pgc-227-2-1\"  class=\"panel-grid-cell col-sm-5 col-md-4 columns\"  data-cells=\"2\" >\n\n<!-- Gap -->\n<div id=\"panel-227-2-1-0\" class=\"so-panel widget widget_annuity-divider widget-divider panel-first-child\" data-index=\"7\" >\n<div class=\"gap margin-bottom-20px\"><\/div>\n<\/div>\n<!-- end Gap -->\n\n\n<!-- Info Box -->\n<div id=\"panel-227-2-1-1\" class=\"so-panel widget widget_annuity-info-box widget-info-box offset-md-left-20px offset-lg-left-40px\" data-index=\"8\" >\n\t\t\t\n\t\t\t<aside class=\"info-box shadow\">\n\t\t\t\t\t\t\t\t<figure class=\"info-media\">\n\t\t\t\t\t<img src=\"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-content\/uploads\/2017\/08\/image-richard-smart-540x460.jpg\" alt=\"Richard Smart\">\n\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<div class=\"info-text\">\n\t\t\t\t\t<blockquote>\n<p class=\"text-primary-color-pale\">Taxes, fees and poor diversification can eat away at your returns. Far too many people ignore the impact these factors can have on investment growth. We don't.<cite class=\"title\"><strong>Richard Smart<\/strong>, the Founder of Annuity Strategic<\/cite><\/p>\n<\/blockquote>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/aside>\n\t\t\t\n\t\t\t<\/div>\n<!-- end Info Box -->\n\n\n<!-- Gap -->\n<div id=\"panel-227-2-1-2\" class=\"so-panel widget widget_annuity-divider widget-divider panel-last-child\" data-index=\"9\" >\n<div class=\"gap margin-bottom-10px\"><\/div>\n<\/div>\n<!-- end Gap -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n","protected":false},"excerpt":{"rendered":"<p>{ Text Block: } Our aim is to create diversified portfolios that earn favorable investment returns while reducing volatility and risk according to the parameters of each client&#8217;s chosen investment model. We work to achieve strong performance over multiple market [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12,"parent":226,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-json\/wp\/v2\/pages\/227"}],"collection":[{"href":"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-json\/wp\/v2\/comments?post=227"}],"version-history":[{"count":0,"href":"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-json\/wp\/v2\/pages\/227\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-json\/wp\/v2\/pages\/226"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-json\/wp\/v2\/media\/12"}],"wp:attachment":[{"href":"https:\/\/e-merald.com\/themes\/annuity-wp\/wp-json\/wp\/v2\/media?parent=227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}