Our Philosophy

Planning is the development of a customized, lifelong strategy to guide you in making financial, business, and investing decisions. Our comprehensive and holistic approach to planning results in integrated and sound solutions for not only the financial aspect of life, but for many others as well. As a firm with a fiduciary duty to our clients, Aubry & Eustice is able to determine the most appropriate plan based upon the needs and goals of our clients in an objective and unbiased manner. By working with us, we will provide the necessary means for long-term planning and success. An added benefit to working with Aubry & Eustice is that we take on fiduciary responsibility. While this does not eliminate the risk associated with an investment portfolio, it does give you the comfort that Aubry & Eustice is partnering with you and working for what is in your best interest.

It is important to note that the planning process is not static, but rather a dynamic process. Your financial structure and needs are likely to change throughout your lifetime; adjusting your plan accordingly is key to maintaining financial security and peace of mind.

Asset allocation refers to the strategy of dividing your total investment portfolio among various asset classes such as stocks, bonds, and money market securities. Since asset allocation is the one determinant that directly influences the performance of your investment portfolio, there are several key principles that we apply to our asset allocation philosophy.

Our investment strategies are guided by academics and scientific engineering of portfolios, not speculation or unfounded assertions. Over the past 7 decades, the fields of finance and economics have brought us invaluable information on the premiums that exist in different markets.

For equity markets, research has shown that small company stocks have higher expected returns than large company stocks, and value stocks have higher expected returns than growth stocks.

In fixed-income markets, research has shown that instruments with maturities longer than 5 years will be accompanied with a disproportionately higher level of risk than instruments with maturities less than 5 years. Additionally, instruments of lower credit quality also show a disproportionately higher level of risk than investment-grade instruments.

Behavior management is a relatively new topic in the financial industry that explores how individuals handle the psychology of finances. Behavior management is crucial in the success of a long-term portfolio. This fact is exemplified by the 2002 Nobel laureate in the field of economic sciences, a psychologist that exposed how harmful irrational and emotional investing truly is to the success of a portfolio. A common mistake for investors is to chase returns or the latest investment fads. The irrational exuberance of the tech bubble is a perfect example of investors pouring money into already overpriced stocks, leading to disappointed investors everywhere. The fact is that investors who believe they can time the market will find disappointing results an overwhelming majority of the time. Research on investment returns finds that achieving optimal returns in a portfolio is almost entirely a function of time in the market, not attempts to time the market. The short time spans of sharp increases and decreases make it nearly impossible to impact the long-term success of your portfolio.

Aubry & Eustice is committed to providing financial clarity and peace of mind for our clients. Therefore, it is important to feel confident in investment decision-making and to remember that any current or recent activity is not significant in the horizon of your portfolio.