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Our Asset Management Philosophy

Markets are efficient.  Respect the evidence: "beating" the market is highly unlikely and costly to attempt.  

Thoughtfully allocate between equities (for growth) and fixed income (to reduce portfolio volatility) based on individual goals and risk tolerance. 

Rebalance systematically.  Avoid market timing. 

Diversify broadly across asset classes and geographies.  No big bets. 

Costs matter.  A lot.  Own low-cost investments.  Minimize transaction costs.

Taxes matter.  A lot.  Use tax-advantaged accounts wisely.  Realize gains strategically.  Harvest losses.

Simpler is (usually) better. 

Ignore the noise.

Stay disciplined.

 Live intentionally.

Work with Hayden Financial Group.