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Investment Philosophy
Value investing identifies what's undervalued. Systematic execution captures it. This page explains exactly how that works.
Value investing is simple in concept: buy assets for less than they're worth and wait for the market to recognize the gap. In practice, it requires patience, discipline, and the ability to act when others won't.
Crowds create mispricing. When everyone chases the same stocks, they become overpriced. When everyone ignores an asset class, it becomes underpriced. Value investors pay attention to what's being ignored.
This isn't about being contrarian for its own sake. It's about recognizing that human psychology doesn't change—and that creates recurring opportunities for patient capital.
Example: The Gold Thesis
In 2024, gold and silver miners were trading at decade-low valuations relative to metal prices. An entire generation dismissed them as outdated while chasing crypto and meme stocks.
I saw mispricing. Gold has preserved purchasing power for 5,000 years. That doesn't become obsolete because a new generation discovers speculative assets. When valuations get that detached from fundamentals, value investors take notice.
This reflects personal investment philosophy and trading history. Past decisions don't guarantee future results. All investing involves risk.
Value investing is the philosophy. These three elements are how we execute it.
Every client starts with a globally diversified, low-cost core. Index funds across asset classes, geographies, and sectors. This isn't exciting, but it's the foundation that provides stability while we look for value opportunities.
Global Equity
US, international, emerging markets exposure
Fixed Income
Bonds for stability and income generation
Alternatives
Gold, real assets when valuations warrant
Most advisors think about taxes in December. I run daily scans for tax-loss harvesting opportunities, monitor wash sale windows, and coordinate with your CPA throughout the year. Tax alpha compounds quietly but powerfully.
What We Do
What Others Do
Value investing requires discipline. When markets drop 20%, you need to buy—not sell. When a position hits your target, you need to rebalance—not hold hoping for more. I built systematic tools to execute without emotion.
How it works: AI-powered tools monitor portfolios daily for rebalancing triggers, tax opportunities, and value signals. I review every recommendation before execution. Technology handles the monitoring; I make the decisions.
For larger portfolios with suitable risk profiles, we can add systematic options strategies to generate income. This is always optional and never the core strategy.
When We Consider Options
When We Don't
Options involve additional risks and aren't suitable for all investors. Many clients choose our core portfolio approach without options—that's a perfectly valid choice.