Evidence-Based
Investment Management
Speak with usEven-keeled and evidence-based.
Our investment philosophy stands on broad shoulders.
We’re not reinventing the wheel. Instead, we follow
a proven approach backed by Nobel Prize-winning
studies and over a century of research.
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Harry Markowitz
1990 Nobel Laureate
1952
modern portfolio theory
James Tobin
1981 Nobel Laureate
1958
"super effect" portfolio
William F. Sharpe
1990 Nobel Laureate
1964
global market portfolio
Eugene Fama
2013 Nobel Laureate
1965
efficient market hypotesis
Why evidence-based?
You’ve already taken enough risks in your life and business. At this point you’re not looking for more risk; you want to preserve your wealth through investment. We don’t take that responsibility lightly, and choose time-tested strategies that minimize risk.
We ask two fundamental questions
before we consider any investment strategy.
1Does it make economic sense?
2Is it
time-tested?
If the answer to both questions is “yes”, we explore the option further to see if it is a fit for you.
Talk to us about investment managementThese are universal truths we know to be true.
Capital markets have rewarded disciplined investors in the long run.
Stock picking is highly unlikely to get you favorable results.
Consistently timing the market is difficult if not impossible.
We believe that financial strategy
should focus on factors within our control, not factors outside our control.
We can’t control what the market does or will do. We can control what we do. Our approach is more measured and intentional, less emotional and opportunistic.
What does this mean to you?
- Pick stocks
- Time the market
- Shift investment strategy for illusory short-term gains
- Invest in funds with high hidden fees
- Focus on factors outside of our control (i.e. market moves)
- Invest emotionally or jump onto trending investment bandwagons
- Just “set it and forget it” with your strategy.
We don't
- Diversify strategically within different sectors, geographic locations, and factor-based investments
- Take a long-term approach to investing
- Prioritize cost-efficient investing
- Focus on factors within our control (i.e. how much we invest, how we manage taxes)
- Ignore hype, drama and emotion-driven trends
- Help you leverage the psychology of financial behavior
- Update the investment strategy as your life circumstances change.
We do
Our Process
-
1 - It starts with a meeting of the minds.
We explain the fundamentals of a prudent reliable investment strategy and patiently answer all your questions.
-
2 - We get to know your situation thoroughly.
You give us an in-depth look at your goals, objectives, timeline, and risk tolerance.
-
3 - We create a personalized plan for you.
We do thorough research before developing your plan, finding the best products and plans for your unique situation. There is no such thing as templates around here. We review your investment plan together.
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4 - We assemble the team of experts to implement your plan.
We work with your current team and accountant or assemble the team you need from a network of trusted partners. We only rely on highly vetted custodians, investment managers, fund companies, TPAs, recordkeepers, and other providers as needed.
-
5 - We review your plan together at least once a year.
We review and revisit your strategies periodically to make sure that your investment plan is up to date with changing circumstances. Whenever changes are needed, we are available to strategize with you and update your plan.
Enjoy perfect transparency with an online portal. View and track your investments at any time.
We use third-party alliances to your advantage.
Here’s how.
Access more options, not less.
We’ve seen bureaucracy from the inside, and want to give you a more nuanced, individual approach. And contrary to what some might believe, as a small firm we have more access to expert managers, not less. We hand-pick professionals we want to work with from a selection of hundreds of big brand names and small boutique firms. we choose the best for you. No matter the size, every firm we work with has a formal process and a qualified investment committee.
Have us on the lookout for something better. Always.
We have a robust network of preferred service providers, but we keep our eyes peeled for anything that might be of better value. Firms that manage investments in-house don’t have that luxury. Our third-party approach means never-ending innovation and improvement.
CSD Financial has chosen
Charles Schwab & Co., Inc.
as a primary custodian for our clients' accounts.
The materials have been
independently produced by CSD
Financial. CSD Financial is independent
of, and has no affiliate with
Charles
Schwab & Co., Inc or with any of its
affiliates ("Schwab").
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SIPC. Schwab is not
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Schwab
independently verified any of the
information in them [Advisor's firm
name]
provides you with
investment advice, while Schwab
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brokerage account and will
effect transactions for your account on
our transaction.
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