Markets are efficient. Respect the evidence: it is enormously difficult to consistently “beat” the market.
Simple models outperform expert forecasts.
Use factors to improve expected returns.
Choose investment risks thoughtfully.
Avoid market timing: rebalance systematically.
Diversify meaningfully across asset classes, approaches, and geographies. No big bets.
Costs matter; seek out low-cost investments. Only pay up for active share.
Taxes matter. Always consider tax-advantaged accounts and strategies.
Build a portfolio you can trust, then ignore the noise.
Any other questions?
A great advisor prioritizes his clients’ values and aspirations above all else. My job is to listen, understand, and work alongside you to ensure that your money works for you - not the other way around.