Investment Philosophy

At BT Wealth Management, our goal as investment managers is to achieve the highest possible return for clients within their individual risk preferences.  As such, we believe the following:

• Modern Portfolio Theory (MPT) Should Dictate Portfolio Construction.  By combining different asset classes with low correlation, we strive to achieve a balance between risk and reward.

• Asset Allocation is the Largest Determinant of Portfolio Performance.  Asset classes vacillate between overvalued and undervalued, requiring a constant rebalancing by the investment manager.

• Astute Investing Requires Discipline.  Individuals abandon their principles as markets become more difficult.

• Focus on the Long Term.  We strive to create a barrier between the client and the short term noise in the capital markets that cause poor decision making.

• Emphasize Factors We Can Control.  We employ strategies to optimize net returns by controlling fees, transaction costs, and tax inefficiencies.