Our Philosophy

  • A total-return approach that is indifferent as to whether cash flow comes from capital appreciation, dividends, income or other  sources;
  • Realistic (not conservative) assumptions in planning exercises and an acknowledgement that future returns from capital markets will be modest by historical standards;
  • Goals-based planning – helping clients achieve a desired financial outcome instead of attempting to achieve certain investment results;
  • Tax-efficient investment vehicles and optimizing asset location whenever appropriate;
  • A belief in the weak  form of the efficient-market hypothesis – specifically, that there  is no benefit to market  timing;
  • A belief in factor-based investing based on the research of Fama and French, including overweighting portfolios toward value securities;
  • An agnostic position in the active-passive debate and a willingness to use either approach for asset classes or sub-classes;
  • A belief that asset allocation is the single most important determinant of investment performance and overall volatility;
  • A written investment policy statement.
The  process consists of three  elements:
  • A fee-only structure;
  • A team-based approach to client management;
  • A distinction between risk tolerance (the level of risk a client can  withstand before wanting to go to cash), risk capacity (how much  risk clients can  afford to take)  and risk need (how much  risk clients must take to achieve their goals)
 

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Company Info

4015 Nine McFarland Drive, Suite 150
Alpharetta, GA 30004

Phone: 770-667-1177 (office)
770-265-9670 (cell)

jwilliams@wealthguardadvisory.com

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