SERVICES

Investment Management Overview

Our rules-based investment strategy removes emotion from the process, allowing us to devise a portfolio with research not personal feelings. Stock picking  and market timing  have been shown not to beat the market either consistently or in the long term. At Favrile, we utilize decades of research on investment methods and market trends over the past fifty years to guide us.  We use low cost index mutual funds, exchange traded funds and no-commission annuities to craft asset allocations for each client.
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When you work with us, we will:

​Identify Your Long-Term Objectives
We help you look at the big picture and devise a asset allocation plan to match your goals.  

Determine A Comfortable Risk Tolerance
Our personalized financial plan takes into account your risk tolerance as well as how much risk you should be taking to meet your goals. We will create a diversified portfolio that reflects your risk/return ratio. 

Start Strong And Keep Improving
Once your asset allocation plan is put in place we utilize our  "Look Often, Trade Seldom" policy to rebalance investment positions. This captures real trends in market fluctuations and forces us to "sell high and buy low" even if our emotions are telling us otherwise.

​Learn More About Our Strategy


​The Logic Behind Our Investment Approach:
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Modern Portfolio Theory
We closely follow Modern Portfolio Theory by diversifying our client's portfolio. For the stock portion we allocate the majority of investment funds to US markets and with a healthy portion to international markets which, on average in the past, has lessened risk while producing higher rewards. 

Efficient Market Hypothesis
People often believe that they can "beat" or time the market and as a result produce results based on luck. The reality is that the market is always shifting and, in the short run, impossible to predict. We believe that market level returns are a good tradeoff for the risk we put forward. 

Three Factor Model
Based on historical data there very few factors that have an outsized influence on returns. The model acknowledges that stocks outperform bonds long term. The model also states that investing in smaller companies and companies with lower price to earnings ratios can lead to greater performance with an acceptable increase in risk. This means there is an opportunity to boost returns by outweighing specific sectors based on factor analysis. We work within the client's risk level and use this technique to skew the portfolio to those factors.