Independent Financial Advisor Philosophy

  • Advisor Philosophy

    The disciplined independent financial advisor investment strategy and repeatable wealth management process of our team is an antidote to conventional industry practices and herd like behavior. We provide a “process-driven” not “product driven” approach.

    Instability in the worldwide capital markets has reiterated the need for diligent risk management and disciplined investment management. Our philosophy grounded in Modern Portfolio Theory and blended with our consultative approach to asset management combine to create a fluid process for managing wealth, where individual client goals drive every decision. We believe that asset allocation and diversification are the foundations of a long-term investment strategy to manage risk and returns. As a result, we avoid focus on market timing, sector overloading, duplication and “story stocks.”

    Our belief is that it’s not by following the news-pundits, stock-picking or “timing the market” that will earn you the greatest reward, but rather “your time in the market” while employing a disciplined, less emotional wealth management process. As quoted by the great Warren Buffet, remember to always “be fearful when others are greedy and greedy when others are fearful.” In other words, you can pay a high price in the stock market for a cheery consensus.


    Ulin & Co. follows the Markowitz Nobel Prize winning study of Modern Portfolio Theory to design and manage portfolios utilizing a dynamic strategic allocation strategy within each of our distinct portfolio models.

    Modern Portfolio Theory (MPT) indicates that market timing and investment selection have minimal weighting in long-term investing success. MPT further suggests that asset allocation strategies will prevail through the construction of an optimal portfolio by considering the relationship between risk and return. The study of asset allocation (otherwise known as investment policy) states that asset mix determines 94% of the return of a portfolio-while less than 6% accounts from market timing or investment selection. (BHB Study, 1986)

    Practicing consistent and on-going asset allocation driven in part by an Independent Advisor is an important habit for an investor to follow. Asset allocation involves dividing an investment portfolio among the three main asset classes-stocks, bonds, and cash. Liquid Alternative investments can be considered as a ‘fourth’ main asset class as part of a tactical overlay.

    The asset allocation that works best for you at a given point in your life will depend primarily on your age, time horizon, financial objectives and your ability to tolerate risk.

    *Asset allocation and diversification does not ensure a profit or protect against a loss.

    “To achieve satisfactory investment results is easier than most people realize; to achieve superior results is harder than it looks.” –Benjamin Graham

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