Individual Investors

$60,000 - $1,000,000

You have probably seen the graphs that have shown the incredible returns of stock index funds over decades. It’s important to know that very few people ever reach anything close to those returns.1 There are three reasons:

  1. Fees
  2. Asset allocation mistakes
  3. Behavioral error.

As your Advisor, our objective is to solve all three.

Investing tends to be stressful for people. When markets rise, they feel like they’ve missed out on the big winners. When they fall, almost everyone realizes just how much they dislike losing money. In both cases, the market “casino” consumes your valuable time and energy.

Dalbar is a research firm that executes a large, longitudinal study of American investor behavior across 30 years. They state in their findings: “Over and over, it emerged that the leading cause of the diminished return is the investors’ own behavior.” 2

By focusing on the cash flows that your investments generate, we help you detach from market-watching. The certainty of payments from bonds and stock dividends, while not absolute, underpins a long-term approach that reduces worry.

See the mechanics of our approach here.

1, 2 "Quantitative Analysis of Investor Behavior" 2015, 2018, 2020, DALBAR, Inc.

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206 Main Street Suite 20

Vergennes, VT 05491

(802) 777-9768

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Chesterbrook, PA 19087

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Burlington, VT 05401

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Middlebury, VT 05753

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Hanover, NH 03755

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