A Unique Approach…

Diversify across asset classes. As we all know, the world's markets do not move in lockstep. Should you invest too heavily in a particular asset class, you risk suffering large losses when markets turn. However, by combining asset classes that in the short term move dissimilarly to one another, we will mitigate the risk within your portfolio.

Capture the entire return of each asset class. Many within the financial industry believe it is possible to pick winning stocks or mutual funds that achieve higher returns than the market as a whole. Yet extensive research provides strong evidence to the contrary. Because financial markets are efficient, any attempts to beat them frequently produce disastrous results. In contrast, our index strategy enables you to capture the returns of each dimension of the market.

Develop a long-term financial plan. No investment strategy can succeed unless it is part of a detailed financial plan with clearly defined objectives and a disciplined approach to saving and investing. Since we do not waste time on the elusive search of winning stocks and mutual funds, we can focus on the full spectrum of wealth management issues relevant to each client, including income tax, estate and retirement planning.

Low Costs: Currently the typical expense ratio for an “actively” managed mutual fund is 1.5% and increasing continually. Pacific Asset Management trades exclusively through Dimensional Fund Advisors whose mutual funds are “passively” managed; passively managed expense ratios typically range between 0.18 and 0.25%.

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There are many books on wise investing, some authors we recommend are: Larry Swedroe, Gary Belsky, Thomas Gilovich, Charles Ellis, Peter Bernstein, and Nick Murray.