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Investment Philosophy

Scientific Portfolio Theory^™ is the term we use to summarize our investment process and methodology. This approach aligns the tools of science with a client's financial goals by combining:

• Our Understanding of Investments: An investment methodology based on Modern Portfolio Theory
• Our Understanding of Money Management: A framework for risk management
• Our Understanding of Investors: The applied principles of Behavioral Finance

Scientific Portfolio Theory
Understanding of Investments	Understanding of Money Management	Understanding of Investors
Nobel Prize-winning principles of Modern Portfolio Theory Asset allocation as the basis for managing portfolio risk and return Markets are generally efficient Effective diversification is necessary	Access to institutional quality and experience Minimal style drift Low-cost, value-added trading and execution More reliable performance Quantitative, rules-based trading strategy	Behavioral Finance and Behavioral Portfolio Theory Preferences go beyond risk and return Goal-based client investment process Systematized approach to portfolio management