Investment Philosophy

• A successful investment program combines a realistic assessment of the investor’s objectives and tolerance for risk with an objective analysis of investment markets.  We work closely with clients to ensure their portfolio is specifically appropriate for them regardless of prevailing fads.
• Investment discipline is the best weapon to defeat fear and greed.  Our portfolios have diversification parameters that will be strictly maintained.  Changes in these parameters are based on  clients’ objectives and circumstances rather than due to short- or intermediate-term market conditions.
• We are long-term investors and educate our clients to understand the cyclical nature of markets and to focus on their long-term investment goals and results.
• We feel strongly that expenses are a significant factor and, accordingly, we utilize no-load mutual funds, exchange-traded funds and other cost-effective vehicles to construct our portfolios.  We will incorporate individual securities only at the request of our clientor for specific diversification purposes in larger portfolios.
• We maintain broadly diversified portfolios to avoid concentration in particular sectors or industries.
• We receive no compensation whatsoever from any investment and will not invest in a product which incorporates a sales charge in its fee structure.  Funds with 12(b)1 fees of 0.25% or less will be used if they are the only option available through a particular custodian or if the fund offers a unique investment opportunity.  No 12(b)1 fees result in any payment to Gordian Advisors.
• We practice both strategic asset allocation (the percentage of the portfolio in stocks, bonds or cash) and tactical asset allocation (how those percentages are invested).   Portfolio changes will be infrequent but will attempt to take advantage of the differences in risk and potential reward of various market segments.  We do not advocate “market timing”, which involves larger and more frequent portfolio adjustments.
• Prudent asset allocation is the key to weathering market volatility.  Typical portfolios, as described below, offer a range of target allocations to accommodate many types of investors and objectives.

Portfolio Guidelines

Disclaimer