Costs. Controlling costs is paramount. Lower costs have a material long-term impact on performance.

Passive Approach to Security Selection. Based on extensive research, we do not believe active security selection will consistently beat a simple indexing approach after fees.

Diversification and Liquidity. The ETFs we utilize provide access to hundreds of different stocks across a variety of industries, company types, and geographies. We utilize funds that have asset scale and a high level of average daily trading volume to help ensure liquidity during times of volatility and market stress.

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Risk Management
Identify, monitor, and manage risk.
Index Funds
Broad market exposure, low expense.
Accounts We Manage
We manage a wide variety of accounts.
Our Fees
Consistently low fees.
Environmental Investing
Focused, sustainable investing options.
Environmental Articles
Sustainable, environmental insights by financial advisor Josh Kruk.
Prioritizing and planning for the future.
Mutual Funds vs ETFs
Clarifying the difference.
Frequently Asked Questions
Good questions, real answers.
Portfolio Construction
Construction & strategy
Timing the Market in 2020
2020 - a case study in the futility of market timing.
Active vs Passive Investing
We believe there is a winner in this debate.

Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk | Keith McCarthy

5247 Shelburne Rd, Suite #101

Shelburne, VT 05482

(802) 777-9768

Darien, CT Financial Advisor

Available for meetings in Darien.

Keith McCarthy

(203) 554-9466

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