What I believe, how I operate, and why it matters to you.
Many financial advisors will tell you they put clients first. But philosophy isn’t what you say — it’s what you do when no one is watching, when there’s a conflict of interest, and when the easy choice and the right choice aren’t the same thing.
Here is exactly where I stand.
Investment Philosophy
Markets are largely efficient. Trying to beat them consistently — through stock picking, market timing, or chasing trends — is a losing game for almost everyone who tries. The empirical evidence is overwhelming and has been for decades.
Instead, I build portfolios around what the evidence actually supports:
Evidence-Based Investing
Every investment decision is grounded in peer-reviewed research and decades of market data — not gut feel, hot tips, or financial media noise.
Low-Cost, Diversified Portfolios
I use low-cost index funds and ETFs from Vanguard and Dimensional. Costs are one of the few things you can control — so I control them aggressively.
Behavioral Coaching
The biggest threat to your returns isn’t the market — it’s your reaction to it. I help you stay disciplined when fear and greed are loudest.
Long-Term Focus
Wealth is built over decades, not quarters. I tune out short-term noise and keep your eyes on what actually moves the needle over time.
I spend zero time on things outside your control — and all my energy on the things that actually matter.
How I Operate
Beliefs mean nothing without behavior. These are the principles that guide every client relationship, every recommendation, and every decision I make.
- Honesty and transparency
- Advising, not facilitating
- Investing, not speculating
- Conviction in my philosophy
- Empowering you with information
- Focusing on you
- Managing emotions and biases
- Setting expectations
- Filtering out the noise
- Not being everything to everyone
The Fiduciary Standard
SCM Investment Services adheres to and advocates for the Fiduciary Standard — the highest legal and ethical standard in financial advice. As a fiduciary, I am legally required to act in your best interest at all times. Not most of the time. Not when it’s convenient. Always.
That means:
- Serving in the client’s best interest
- Acting in utmost good faith
- Acting prudently, with the care, skill, and judgment of a professional
- Avoiding conflicts of interest
- Disclosing all material facts
- Controlling expenses
Many advisors operate under a lower “suitability” standard — meaning they only need to recommend products that are suitable for you, not necessarily in your best interest. That distinction matters enormously when it’s your retirement on the line.
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