Investment Tools

Asset Class Investing

Instead of trying to beat the market, I believe that you should let the market work for you. Asset Class Investing philosophy offers a prudent, strategic approach designed to help investors achieve their lifetime financial goals.

  • It focuses your investment portfolio on your most important life goals rather than short-term market trends.
  • It is based on science and academic research. It combines the latest discoveries in economics and investing with more than 80 years of market data and insights as well as in-depth studies of investor psychology and behavior.
  • It is a disciplined and structured approach. It helps protect against the common behavioral mistakes that can compromise your long-term financial goals.

This means you no longer have to spend all your time focused on trying to outguess the market or pick the right managers. Instead, you can address what matters most — enjoying your life secure in the knowledge that you have a prudent plan in place for achieving your long-term goals.


Loring Ward, headquartered in San Jose, California provides portfolio management and back-office services to a select group of America’s most knowledgeable and successful independent financial advisors and their clients. The services they provide include client reporting, portfolio management, operational processing, securities trading, and educational and training support. The support services from Loring Ward allow advisors like me to spend more time working with my clients and less time dealing with the day-to-day management of operational details. I receive the services of a dedicated administrative team from Loring Ward, assigned to servicing the needs of my firm and my clients.

Dimensional Fund Advisors is a leader in developing asset class portfolios for institutional investors and independent investment advisors. Beginning in 1989, DFA began offering its low-cost institutional mutual funds to individual investors through a network of selected investment advisory firms. Their mutual funds are not available through conventional broker/dealer firms. As one of these select advisors, I play a key role in educating clients about asset class investing, developing portfolio allocations to meet specific objectives, and helping the maintain the necessary discipline to ensure long term success. My relationship with Dimensional Fund Advisors is based on shared views about how capital markets work and how best to provide clients with a successful investment experience.

Charles Schwab Institutional provides extensive financial planning and retirement plan services to independent investment advisors. They are the largest provider of dedicated custodial services to the independent investment advisor community, and they offer investors a variety of advantages such as the convenience of local branches, specialized institutional trading, banking, trust and pension services, cash management tools, and 24-hour online account access. Schwab Institutional is custodian to accounts we manage on your behalf. While you grant us Limited Power of Attorney (LPOA) to execute transactions on your behalf, accounts are held in your name.