Our Promise

Our Story.

B|O|S was formed over 30 years ago as Bingham, Osborn & Scarborough, at a time when our Founders perceived the financial services industry to be fraught with conflicts of interest. At that time, and even today, many investment management firms remained largely structured around selling products to their clients (such as stocks, bonds, mutual funds and limited partnerships). With an eye toward generating firm revenues from commissions, loads or spreads, these firms pushed revenue-generating sales rather than adhering to and honoring their commitment to fiduciary responsibility. Consequently, their Investment selection typically emphasized market timing and stock picking, without consideration of the risks inherent in such strategies.

In this landscape our firm’s founders set out to establish a wealth management firm that emphasized the building of lasting relationships with clients where services were based on fiduciary responsibility, integrity, and comprehensive, personalized service, rather than sales commissions. To accomplish their goal, the founders focused on three fundamental principles – principles that were considered progressive at the time, and are still fundamental to our approach today:

  • No Bias or Conflict of Interest: Rather than focusing on selling products to clients in order to generate commissions, the founders strongly aligned the interests of the firm with their clients by charging a percent of assets fee. To this day, that fee is our only source of compensation for our services.
  • The Advisory Relationship & Integrated Approach: The founders of our firm believed that it was not possible to manage a client’s assets effectively without completely understanding and addressing their unique goals, circumstances and concerns. Accordingly, they developed a comprehensive advisory approach that integrated financial planning with investment management. There was no name for this process at the time, but today it is what we call Investing with Vision.
  • Modern Portfolio Theory & Efficient Markets: The founders believed strongly in the theory of efficient markets and the importance of understanding and managing risk in designing portfolios. Accordingly, instead of picking stocks or attempting to time the market, they focused on maximizing the risk-adjusted return of portfolios by combining non-correlating asset classes, and emphasized the understanding and control of risk by studying markets, not companies. These beliefs are still at the core of our investment philosophy today.

Our Core Values

Our mission is to be a wealth advisory firm that truly understands what matters most to our clients and is a thoughtful steward of their complete financial picture. We aim to provide an emotionally and financially rewarding work environment that balances a desire for excellence and personal growth with the importance of family and community.

Put our client’s interests first. Period.

Our best advice is our only product. We seek to avoid all conflicts of interest and disclose those we cannot. We earn the right to give advice by understanding our client’s complete picture – this means understanding what’s most important to them as well as understanding the many parts of their overall financial situation.

Continual pursuit of knowledge.

We are in this profession because it feeds our desire to learn and grow. We love investments, financial markets and personal finance. We want to develop new skills and expertise. We think our field is interesting, exciting and dynamic. While mastery may be challenging, we work toward it by pursuing deep understanding and by valuing education, knowledge and the attainment of credentials.

A play-to-win mentality.

Playing to win is a mindset that includes doing your best, making a difference, being prepared, being present, taking calculated risks, striving for excellence, being accountable, and taking action. It’s about always looking for ways to improve and grow from our experiences and failures.

We are all human.

Everyone, no matter who you are, or where you are from, wants to be valued and treated with respect. We all want to be heard and understood. We are grateful for what we have and we give back to our communities. We lift others up. We bring positive energy to our work. We aim to be right but we admit when we are wrong.

Clear, concise and direct communication.

We are relentlessly transparent by communicating directly and honestly with clients and each other, even when it is difficult to do so. Time is a valuable asset; therefore, we aim to communicate clearly, succinctly and accurately to enhance the recipient’s understanding.

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