We are long-term, strategic investment advisors who follow the tenets of Modern Portfolio Theory. We believe that diversification offers the best protection against risk and that investment markets are efficient over time. We do not believe it makes economic sense over the long-term to attempt timing or outperforming investment markets. Rather, we seek broad-based exposure to desired asset classes by investing in low-cost index funds. After building a portfolio, we monitor it daily and rebalance when necessary in a disciplined manner.