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Young Wealth Management

Investment Management

Get Started! (530) 231-5152
"Most people might just as well buy a share of the whole market, which pools all information, than delude themselves into thinking they know something the market doesn't." - Merton Miller (1923-2000), Former member of the Board of Directors for Dimensional Fund Advisors LP

We work closely with each of our clients to build a custom investment strategy that matches their individual risk tolerance, risk capacity, long term goals and cash flow needs.

  • Our goal is to build low-fee portfolios that balance risk with returns.
  • We believe that strategic asset allocation is the driver of returns, not individual stock selection or market timing. Therefore, we take care to come up with the "right mix" of broad asset classes (stocks, bonds, real estate, cash, etc.) and of specific asset classes (ie. US small cap stocks) that fits each client’s individual risk tolerance, time horizon and goals.
  • We do not purchase individual stocks, but rather combine no-load mutual funds with exchange traded funds (ETFs) to keep out client’s costs low and maximize diversification.  We favor funds offered by Dimensional Fund Advisors and Vanguard.
  • Our investment philosophy is to follow a "total return" approach, which we believe is more effective than investing for income or yield. Our aim is to generate a targeted annual return from all sources (growth, interest and dividends).
  • We believe in regular rebalancing but infrequent trading. We regularly review our client's portfolios and rebalance as appropriate and needed, always keeping transaction costs and potential taxable gains in mind.
  • We consider the potential impact on taxes wherever applicable. This often means selecting funds with low turnover and low expense ratios, rebalancing less frequently, holding fewer assets in general to reduce exposure, and investing in municipal bonds.
  • We recommend all our clients hold enough cash in their portfolio for the foreseeable future (typically three years).
  • We offer ESG (Environmental, Social and Corporate Governance) portfolio options.
  • Would you like to learn more about Investment Philosophy? Click here

Next area: Retirement Planning

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