Our investment philosophy is based on sound investing principles rather than emotions or market timing. The market does what the market does, and no one has a crystal ball. Rather than trying to time the market, we believe in consistent practical investing over time in a diversified investment portfolio. We create model portfolios that are diversified across and within asset classes. Whether you use our full service asset management or our automated investment platform we use institutional and no load mutual funds, and ETFs to be cost effective. Each of our model portfolios targets a different risk and reward profile based upon modern portfolio theory. So, it is your suitability information (e.g., time horizon, risk profile, etc.) that guides the investment portfolio selection.