Planning

Investment Philosophy

We do not pretend to know the future, but we can learn from the past and analyze the present

Our approach to investing is based on a disciplined, unemotional and long-term-oriented process. We do not chase returns or pretend to know the future, but we do use our resources to learn from history, analyze the present and prepare for the future. Our investment philosophy relies on three fundamental investment beliefs:

Multiple Asset Type Investing
We diversify the portfolios across a wide array of asset classes and styles to protect your investment.

Research shows that diversification across multiple asset classes and styles will reduce portfolio volatility and increase performance over long time frames. We designed our investment solutions to have exposure not only in the traditional asset classes, such as equities, bonds and cash, but also in alternative asset classes like real estate and commodities. We also diversify across investment styles and sectors (i.e. large cap value, small cap growth, international, short term fixed income and technology companies, etc). We believe investments in multiple asset types offers our clients a more robust, flexible and balanced investment solution that enhances performance because it controls risk.

Minimizing Expenses
Our independence and fee-based management direct us toward maximizing your results, which means minimizing your costs. Our interests are aligned with our clients in an advisor-client relationship.

We offer relationship management, not a sales transaction. Unlike most of our competitors, our compensation is based solely on your investment value and not on the amount of transactions or type of investment that is chosen. Expenses negatively affect your investment value, which means less money for our clients and less compensation for the advisor.

World Class Professionals
We have access to expert investment managers from across the globe.

Our open-architectural platform allows us to hire the best investment managers from a variety of companies across the world. Our stringent client-oriented investment selection process leads us to a virtually unlimited number of choices narrowed down to the select few that manage select portions of our clients' investment portfolios. Bay City Financial Services manages the managers and may hire or fire any of them at any time.