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Financial Clarity & Resources
We believe in empowering our clients with knowledge. Explore our collection of guides, checklists, and informative documents designed to help you navigate your financial journey with confidence.
Financial Clarity Guides
Before implementing any strategy, it is critical to understand and organize your complete financial picture.
The 6Ls Framework
We evaluate financial decisions across six key dimensions to identify risks and opportunities within your financial life.
- Liquidity
- Longevity
- Legacy
- Lifestyle
- Long-Term Care
- Liability
Retirement & Wealth Planning Guides
Practical guides to help you make informed financial decisions.
The Financial Organization Checklist Every Family Needs
A simple checklist to organize accounts, documents, insurance, and estate plans so your family always knows where everything is.
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5 Things You Can Do With an IRA vs 401(k)
A beginner's guide to understanding the stock market and investing.
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The Retirement Tax Planning Playbook
How taxes affect retirement income, investment withdrawals, and wealth transfer decisions.
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The College Planning Guide
Strategies for funding higher education while keeping your retirement goals on track.
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Understanding Roth IRAs & Conversions
A practical guide to contributions, conversion timing, tax trade-offs, and what heirs really inherit.
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Understanding Life Insurance
Explore five ways life insurance may provide value during life, including term-policy options, cash value, retirement planning, index-linked crediting, and living benefits.
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Additional resources to support your financial journey.
Understanding Social Security
A guide to maximizing your Social Security benefits.
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Estate Planning Basics
Essential steps to protect your legacy and your loved ones.
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The Baby Boomer Retirement Planning Guide
Key financial strategies for navigating retirement income, healthcare costs, taxes, and legacy planning.
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5 Gotchas in Retirement
Avoid common pitfalls and unexpected challenges during your retirement years.
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11 Financial Tips to Make Caregiving Easier
Practical financial advice for those taking on caregiving responsibilities.
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Protect Your Assets With a Family Bank
Learn how a family bank structure can help preserve and grow generational wealth.
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How to Pay for Long-Term Care
Strategies and options for funding long-term care needs without depleting your assets.
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No-Regret Lessons
Valuable financial lessons learned from experience to help you make better decisions.
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The Woolworth Misfortune
A cautionary tale about wealth preservation and the importance of proper estate planning.
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Further reading on our investment philosophy and research.
Blended Strategy: Adaptive Regime Switching
Our proprietary Blended Strategy combines momentum and risk parity through adaptive regime switching to navigate both risk-on and risk-off market environments.
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8A Strategy White Paper
Comprehensive analysis of the 8A strategy, featuring momentum-driven allocation and risk parity principles for disciplined portfolio construction.
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T20: Unpacking Equity Momentum
Deep dive into equity momentum mechanics, demonstrating how systematic momentum capture drives consistent alpha generation across market cycles.
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Dynamic Interaction Effects
Explores the dynamic interaction between momentum and risk parity, revealing how these complementary strategies work together to enhance risk-adjusted returns.
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Common questions about our investment approach, strategy mechanics, and how we manage portfolios.
How does regime switching work?
Our models monitor market conditions in real time. When indicators suggest deteriorating market health, the portfolio shifts to a Risk-Off stance, reducing equity exposure and increasing defensive assets. When conditions improve, we rotate back into growth assets. This is responding to observable market behavior, not predicting the future.
What is momentum and how do you select assets?
Momentum measures the strength of recent price trends. We rank assets by their momentum over a 3-6 month period and select only those with the strongest upward trends. This is about following what's already working, not predicting future performance.
What is risk parity and why does it matter?
Risk parity weights assets by volatility instead of dollar amount. Lower volatility assets receive higher allocations, higher volatility assets receive lower allocations. This creates a naturally balanced portfolio where no single asset class dominates risk, resulting in more stable returns.
How often do you rebalance?
Our strategies rebalance monthly, allowing us to respond to changing market conditions while avoiding excessive trading costs. Regular rebalancing ensures allocations stay aligned with current market dynamics.
How do you protect against major drawdowns?
We use multiple layers: regime switching reduces equity exposure during deterioration, risk parity ensures no single asset class dominates, momentum selection focuses on trending assets, and diversification across 8 asset classes reduces concentration risk. Together, these create a portfolio that adapts to market stress.
Are past performance results guaranteed?
No. Past performance is not indicative of future results. All investing involves risk, including potential loss of principal. Backtested results are hypothetical and do not guarantee future performance. Consult with a financial advisor before making investment decisions.
What asset classes do you use?
Our 8A strategy allocates across 8 asset classes: Equities, Bonds, REITs, Commodities, Metals, Cash, Volatility, and Bitcoin. This broad diversification ensures that when one asset class struggles, others may perform well. Allocations adapt based on momentum and risk parity principles.