Stop Guessing. Start Investing with Evidence.

Most investors are guessing.

They watch headlines. They listen to hot tips. They react to fear and greed.

They confuse noise with knowledge.

We do it differently.

We believe education is greater than speculation.

You don’t need a crystal ball. You need a process.

And you certainly don’t need to overpay.

A simple conversation to see if our approach fits your goals.

What Do You Believe About Investing?

Before you invest a dollar, it helps to ask:

-> What do I believe to be true about investing?
-> What outcome do I actually want?
-> Am I investing with a plan, or reacting to the latest story?

We’ve learned that successful investing is simple, but not always easy.

It means doing a few key things, very well, over and over:

-> Having a clear philosophy you actually believe in
-> Following it in good times and bad
-> Refusing to let emotions drive decisions

Our job is to close that gap between what you know you should do and what you actually do.

Transforming Lives Through Financial Science

Invest like a scientist, not a speculator.

One of the most important choices you can make is how you choose to invest.

We invest like scientists.

Our investment philosophy is:

-> Grounded in economic theory
-> Backed by decades of data and statistical research
-> Structured, rules-based, and disciplined

You don’t hire us for our opinions. You hire us for the evidence.

We use a systematic, rules-based approach (“Investing 3.0”) that is built on academic research, not market guesses. The data is so compelling that it helps you stay disciplined when markets move.

We do not:

-> Chase short-term performance
-> Try to time the market
-> Pretend to know where markets are going next

Instead, we:

-> Understand your goals and time horizon
-> Clarify how to view risk and volatility
-> Design a portfolio that fits your life and stays responsive to changing needs

Resource: Transforming lives through financial science: Download

Changing the way investors think about investing

It’s easy to feel anxious about investing.

Turn on the TV or open your news feed, and you see:

-> Commentators predicting the next crash or boom
-> Confident calls about interest rates, inflation, or elections
-> Charts and opinions that sound convincing, but don’t help you act wisely

Be wary of anyone who claims to know where markets are going next.

The results of money managers who try to time markets or pick winners have been studied repeatedly. There is no solid evidence that they add value beyond what you’d expect by chance, especially after fees and taxes.

The good news: You can have a rewarding investment experience without trying to outguess the market.

You may need to rethink how you approach investing.

What is Evidence-Based Investing?

A rules-based, repeatable way to build wealth.

Evidence-based investing is a disciplined approach to building portfolios that:

-> Captures the long-term returns of global markets
-> Systematically manages risks and costs
-> Removes emotional, “beat-the-market” decision-making

Instead of chasing stories, we focus on:

-> Asset allocation (how much you hold in stocks, bonds, etc.)
-> Broad diversification across countries, sectors, and factors
-> Low, transparent costs
-> Tax-aware implementation
-> Behaviour coaching so you stick with the plan

We believe evidence-based investing is a better approach.

10 Key Principles To Improve Your Odds Of Investing Success

A plain-language guide to what actually matters.

You’ve likely asked yourself questions on your investing journey.

You’re not alone, and you’re not supposed to have all the answers.

To help, we’ve put together 10 key investing principles that every serious investor should understand.

Inside, you’ll find:

-> How to think about market ups and downs
-> Why costs and behaviour matter more than forecasts
-> How to set realistic expectations for returns
-> The role of diversification and discipline

Investing: The Evidence Documentary

See the research in action.

We invite you to watch the documentary “Investing: The Evidence.”

It walks through the data and ideas behind an evidence-based approach.

While you watch, note:

-> What you like
-> What you’re unsure about
-> What challenges your current beliefs

We’d love to hear your thoughts and questions.

Disclaimer: This page is intended to give you insight into our investing beliefs before we meet and is not intended as investment advice. We look forward to meeting you in person or virtually to discuss your objectives. Please speak with a qualified investment professional before making any investment decisions.

Our Process (How We Invest With You)

Clear steps. No black box.

Step 1: Understand you

-> Your goals and time horizons
-> Your retirement and lifestyle targets
-> Your comfort with risk and volatility

Step 2: Build your evidence-based portfolio

-> Asset mix aligned with your goals
-> Diversified, rules-based investments
-> Focus on costs, tax, and simplicity

Step 3: Implement and monitor

-> We put the plan in place with you
-> We review and rebalance when needed
-> We keep you informed so you understand what’s happening

Step 4: Coach through the ups and downs

-> We help you stay disciplined when markets move
-> We remind you of the plan when emotions run high
-> We adjust the plan when your life changes, not when headlines do

Patience is a virtue

The price of long-term returns is short-term discomfort.

What is the secret to a successful long-term retirement plan?

Patience.

“The big money is not in the buying or the selling, but in the waiting.”
— Charlie Munger

To avoid running out of money over a long retirement, you must accept one simple truth:

Your investments will go up and down in the short term.

That volatility is not a problem to eliminate. It is the price you pay for the higher long-term returns that equities have historically delivered.

Like most worthwhile things in life, there is a cost:

-> The cost of staying invested when markets drop
-> The cost of ignoring scary headlines
-> The cost of trusting a plan instead of your fear

Our job is to help you understand that price and decide how much volatility you can honestly live with.

Common Questions

“Will you try to time the market for me?”
No. The weight of the evidence shows that market timing is a losing game over time. We focus on planning, structure, and behaviour, not prediction.

“Can I still have input on my investments?”
Yes. Your goals, preferences, and values are central. We educate, recommend, and implement with you, not to you.

“What if markets drop right after I invest?”
Markets rise and fall. No one knows when. We design your plan with that reality in mind, not in spite of it. We’ll talk through scenarios before you invest, so you know what to expect.

“Is this investment advice?”
Not on this page. This page shares our beliefs and process. Actual advice is always tailored to your specific situation.