Too many times we have heard that diversification and discipline are the backbones of a great investment strategy. Then why do almost all investors fail to beat the benchmarks? Investing is complicated and emotional. As your advisor, I am here to help take away your emotions from investing and provide you with academic-based research, reasoning, and discipline for your investment strategy. We work to understand your tolerance for risk, timeline and goals, and cash flow needs to build you a portfolio that is low in cost, tax efficient, and well diversified. We do not believe in actively timing the market.