Planning Philosophy

The Determinants of Success

A Customized Financial Plan

Beyond Financial Planning(sm) 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 responsibility to our clients, Aubry & Eustice is able to determine the most appropriate plan based upon your needs and goals in an objective and unbiased manner. By working with us, we will provide the necessary means for long-term planning and success. 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 according to your life’s financial transitions is key to maintaining financial security and peace of mind.

Proper Asset Allocation

Asset allocation refers to the strategy of dividing your total investment portfolio among various asset classes such as stocks, bonds, or money market securities, among others. 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 strategy, Evidence-based investing, is guided by an understanding of the history of the capital markets, coupled with the evidence presented by science.  Investment success lies in the employment of a strategy that builds portfolios to capture the dimensions of meaningful risk factors which allow for the control and management of risk over time.  Evidence-based investing makes it possible to identify the risks that bear compensation, how much of these risks to take on and how to minimize the risks and costs imposed by traditional approaches.

For a further reading, please read our white papers.

Behavior Management

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 and housing bubbles are perfect examples of investors pouring money into already overpriced investments, 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.