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Investment Philosophy

We reject Wall Street’s active strategy, focusing on clients by crafting portfolios rooted in academic research and tailored to individual considerations.

Our Investment Approach

When it comes to our investment philosophy, we do not believe in the “active” strategy of many Wall Street Firms and rejects “tactical shifts,” “sector bets,” and investment decisions swayed by the ever-changing narratives of financial media.

At Milestone Money, we believe in tuning out the noise, prioritizing our client’s core concerns, and constructing portfolios grounded in academic research and tailored to our client’s individual considerations like:

  • Assets
  • Liabilities
  • Goals
  • Tax situation
  • Future need to access investments

Guiding Your Financial Journey

In the world of investing, navigating the ever-changing landscape can be overwhelming. At Milestone Money, we adhere to a set of core principles designed to steer our clients towards a worry-free retirement. Let’s explore these guiding tenets that form the bedrock of our investment philosophy.

Embrace Market Pricing

The market is an effective information-processing machine.

Don't Try to Outguess the Market

The market’s pricing power works against mutual fund managers who try to outperform through stock picking or market timing. As evidence, only 23% of US equity mutual funds and 8% of fixed income funds have survived and outperformed their benchmarks over the past 20 years.

Resist Chasing Past Performance

Some investors select mutual funds based on their past returns. Yet, past performance offers little insight into a fund’s future returns. For example, most funds in the top quartile (25%) of previous five-year returns did not maintain a top-quartile ranking in the following five years.

Let Markets Work For You

The financial markets have rewarded long-term investors. People expect a positive return on the capital they supply, and historically, the equity and bond markets have provided growth of wealth that has more than offset inflation.

Consider the drivers of returns

Academic research has identified these equity and fixed income dimensions, which point to differences in expected returns. Investors can pursue higher expected returns by structuring their portfolio around these dimensions.

Practice smart diversification

Holding securities across many market segments can help manage overall risk. But diversifying within your home market may not be enough. Global diversification can broaden your investment universe.

Avoid market timing

You enver know which market segments will outperform from year to year. By holding a globally diversified portfolio, investors are well position to seek returns whenever they occur.

Manage your emotions

Many people struggle to separate their emotions from investing. Markets go up and down. Reacting to current market conditions may lead to making poor investment decisions.

Look beyond the headlines

Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future while others tempt you to chase the latest investment fad. When headlines unsettle you, consider the source and maintain a long-term perspective.

Focus on what you can control

A financial advisor can offer expertise and guidance to help you focus on actions that add value. This can lead to a better investment experience.

How Can We Help?

Talk to a financial advisor about what early retirement or pre-retirement planning may look like for you. Get the tools & expertise you need to retire with confidence.

Our Approach

How We Work


Spend some time with us to discuss your current situation and retirement goals. If we agree that we are a good fit for each other, we will progress to the next step.


We will gather relevant information from you, construct a blueprint and review it with you to discuss how we can work together. We then review our service offering and agree on a path to move forward.


Time to start working together. We will deliver your Retirement Policy Statement, open accounts, transfer assets (as appropriate) and set up our technology infrastructure. Your retirement blueprint is put into action.


We begin our ongoing planning and investment management. We will establish our communication plans and schedule of activities with you, so you know what to expect going forward. We will also establish a regular schedule to review and monitor your finances, check your progress toward your goals and make any necessary adjustments along the way.

Ready to Work Together?

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Download our free checklist of 32 important issues you should really think about before you retire.


Download our free checklist of 32 important issues you should really think about before you retire.

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Life is full of financial milestones. We pay for college, we get married, we start businesses. But the most important financial decision we will ever make is when and how to retire. Milestone Money helps you map success to and through retirement.