“Investing with Vision” requires a comprehensive and organized approach that brings together insightful financial planning, intelligent and rigorous investment management, and a broad macroeconomic perspective of global investment markets. Our disciplined approach leverages the full resources, knowledge and expertise of our firm to ensure that your important goals and concerns are uncovered and considered carefully, and that your assets are invested in alignment with your financial objectives. The major elements of our approach are illustrated below. Click on each element to learn more.
Analytical & Insightful Financial Planning
- Comprehensive Planning Approach: We take a broad view, proactively planning for life’s major milestones and financial decisions. This requires fully understanding your financial goals, aspirations and concerns, and identifying major threats to your financial security.
- Sophisticated Analytical & Planning Tools: Our analytical tools allow detailed analysis at all key decision points, and enable the development of focused and customized recommendations.
- Integration with Outside Experts: We often work closely with your attorneys, accountants and other advisors to ensure that all important issues are handled appropriately and seamlessly.
Learn more about our financial planning approach under Decision Point Planning.
Intelligent & Disciplined Investment Management
- A Highly Experienced Investment Committee: Comprised of highly experienced and credentialed investment professionals, our investment committee continually evaluates markets, risks and opportunities, and provides oversight to all investment management functions. Our Investment Committee members also work directly with clients of the firm, establishing policy with real world circumstances and constraints in mind.
- A Philosophy Grounded in Discipline: We do not follow investment fads but rather, we take a long-term macroeconomic view, understanding what factors are truly important and holding firm to the principles that drive reliable returns and preserve wealth over time.
- Outstanding Analytical Capabilities: Our approach integrates leading industry and academic research with our own proprietary tools to evaluate markets, understand and manage risk, and select the most appropriate investments.
Learn more about our financial planning approach under Investment Management.
Access to the Best Resources
- Institutional Benefits for Individuals: Our clients enjoy access to institutional funds not typically available to indivdual investors, as well as custodial relationships that provide low-cost trading and customer service consistent with our internal standards.
- Full Coverage of Financial Issues: We have both in-house expertise and established processes to anticipate, identify and address key issues such as tax planning, estate planning, and insurance matters. And our referral network includes well qualified and experienced tax attorneys, estate planning attorneys, accountants and insurance profssionals.
- A Deep Bench: Our team is comprised of extremely qualified and highly credentialed people, including CFP® certificants, CFA designation holders, CPAs, and MBAs.
- Committment to Client Education: We provide you with clear alternatives so you can participate more fully and confidently in your financial and investment decisions. We frequently produce webinars, newsletters, white papers and email alerts to keep you informed.
- The BOS Perspective: Our professionals author white papers, and their points of view on investment and financial planning topics are frequently quoted in field journals and respected local and national financial publications. See our Perspectives section to learn more.
Transparency & Clarity
- Complete Transparency of Information: Our commitment to transparency includes designing investment strategies that focus on publicly traded, liquid investments, disclosing and reviewing investment costs and fees, and ensuring that you understand the risks, alternatives and possible outcomes prior to making planning or investment decisions.
- No Bias or Conflict of Interest: We avoid conflicts of interest, we have none of our own investment products to sell, we have no hidden fees, we receive no compensation from any fund companies, and we always use third party custodians for your assets.
- Commitment to Clarity & Candor: We are committed to offering the most objective advice, and being direct and constructive in answering difficult questions or dealing with sensitive issues.
Simplicity & Attentiveness
- Outstanding Client Experience: We set a high bar for the client experience, which in our view should always be based on a thorough understanding of your financial life, as well as highly personalized, attentive service, clear communication and prompt resolution of issues.
- Simplicity and Ease of Account Management: We simplify the process of managing the myriad details involved in your financial life and your investments. This includes consolidation of accounts, clear and user-friendly forms, consolidated account reporting, tax reporting and performance tracking.
- Team Approach & Principal Involvement: As a client, you are served by a team of professionals including a principal of the firm. This team provides both financial planning and investment management, ensuring that decisions are made with the complete picture in mind.