• How much do you charge?

    • 0.25% of assets under management per quarter.
    • Financial planning is included at no extra cost.
    • You are responsible for broker commissions, FX, IRA, account and all other custodian fees.
  • What is your minimum to start managing my investments?

    We generally require $500,000 for investment management. This amount will allow Earl, your wealth architect, to structure your portfolio in an optimal manner. We do, however, make exceptions given certain conditions.

    Please contact us for more details.

  • Can you help me even when I don’t have $500,000 to invest?

    Definitely! The $500,000 minimum is essential to executing our investment strategy, but if you don’t have $500,000, we will be more than happy to give you prudent advice at no charge and no strings attached.

    Many companies define success by the size of their profits. We define success by the number of people we have helped.

    So don’t hesitate to give us a call, or send as an email.

  • Do you accept investors outside the US?

    We can accept investors from the Philippines, Hong Kong, Canada and other countries. To see if we can help you, please contact us.

  • Why should I invest now?

    Money invested today can snowball from something small to something substantial. The earlier you start, the earlier you can be financially independent, and live your dreams.

    For more information, click here.

  • How are you different from mutual and hedge fund managers?

    Unlike mutual and hedge fund managers, we communicate our thoughts on each investment position at least quarterly, and help our clients become better investors by illustrating key investment principles in our semi-annual and annual reports. You can ask us as many questions at any time.

    More importantly, we put our money where our mouth is. We invest our own money in the same investments that you will have, and that’s why we call our clients, partners.

  • What are your investment objectives and results?

    We have 2 objectives:

    1. Outperform the S&P 500 over a full market cycle (about 7-10 years)
    2. Our target return will be at least 10% on average per year

    For the latest investment results, please contact us.

  • I already have a financial advisor/planner, why should I consider your services?

    Not all advisors/planners are created equally. Click here to see how we are different.

  • What is your investment research process?

    Most financial advisors focus on selling. We focus on investment research. Click here to learn more about our rigorous investment research process.

  • Is investing in individual stocks risky?

    Most people forget that a lot of mutual funds also invest in individual stocks. We do not buy just 1-3 stocks for your portfolio. We believe that disciplined investing in 5-20 companies at prices with appropriate margins of safety offers sufficient diversification and risk protection.

    With a long-term investment horizon of around 10 years or longer, we define risk as the chance of incurring a permanent loss of capital. We believe that volatility and beta are inaccurate definitions of risk for long-term investors.

    Please contact us for further illustration of this concept.

  • Will 5-20 investments provide enough diversification?

    One of our investment principles (#5) state:

    Wide diversification is only required when investors do not understand what they are doing. Why not invest your assets in the companies you really like? As Mae West said, “Too much of a good thing can be wonderful”. Think of investing as if you could only make 20 investments in your lifetime.

    To see a detailed explanation of our investment principles, please click here.

    Please contact us for further illustration of this concept.

  • How are you different from Index Funds?

    Our highly concentrated approach, and unique investment philosophy allows us the opportunity to outperform various indexes such as the S&P 500.

    To see the difference between our results and the S&P 500 index, please contact us.

  • How are you different from automated/online financial advisers like Betterment?

    The word automated says it all. Automation is good when you want to improve your productivity. We believe that a robotic process of asset allocation and rebalancing is not a good approach for your investments. Productivity in investing helps Betterment, not you. They have produced a system where they can have one employee look after thousands of clients. Do you really want to be like everyone else?

    Let’s say two people rely on an automated software to do their asset allocation. They’re both 40 and have a moderate risk tolerance. One is single with no children, and the other one’s married with five kids. The first individual has $1 million in liquid assets, the second has none. Should they have similar portfolios? A computer cannot recommend what’s best for you. It can only give you a “good enough” solution.

    Automated processes also can not capture complex issues. Today’s unique economic environment of low interest rates, combined with your unique financial situation, requires a customized investment approach. Unless you are young and have a high risk tolerance, automated software, or advisers (who blindly follow automated software) will advise you to invest a portion of your assets in Fixed Income Funds. With rising interest rates on the horizon, Fixed Income Funds could prove to be the worst investments you can make.

    Contact us, so we can explain this concept to you, and prevent you from making a mistake.

  • I already do a good job of investing my own money, why should I invest with you?

    Just like everyone thinks they are an above average driver, there is a tendency for all investors to think they produce above average results. Our human conditioning pushes us to remember only our successes, and not our failures. Unless you measure your results using a time-weighted (not money-weighted) approach, you don’t really know how well you are doing. You could be earning 5-8% per year over the last 10 years, but everyone else could be earning 2% more. Over a long period of time, a 1% difference in returns is astronomical.

    Please click here to learn more.

    Do you know how to calculate your returns? Let us show you how. Call us today.