Our Investment Management Approach
Align's investment strategies are based on decades of rigorous academic research and on the latest thinking applied to your particular situation. Our investment management services include custom-designed investment strategies and ongoing portfolio management. We also deliver periodic performance reviews to ensure alignment of your portfolio with your goals and cash flow needs.
You are unique. Accordingly, your portfolio is built to most efficiently address your specific needs. And, because taxes can be a huge drag on your portfolio's real value, we are vigilant about minimizing your taxes.
Click to learn more about the financial science supporting our investment management approach.
"Everything should be made as simple as possible, but not simpler."
- Einstein
"The key to a successful investment experience lies in making decisions and judgments simpler through knowing what to pay attention to and what to ignore."
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Diversification
Exposure to numerous distinct asset classes reduces the risk that any one investment or any one market could substantially impact your portfolio. Volumes of empirical studies confirm that stock picking and market timing are not expected to provide premium returns in exchange for the amount of risk and expenses involved in the pursuit. |
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Stock Risk Factors
The Risk/Reward Tradeoff
In general, stocks are riskier than bonds. However, not all stocks are equally risky. Small-company stocks ("small-caps") are riskier than large-company stocks, and low-priced "value" stocks are riskier than high-priced "growth" stocks. Risk and reward go hand-in-hand. Exposure to small-cap and value stocks can increase expected returns for long-term investors. |
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Bond Risk Factors
Bonds have two primary risk factors: credit quality and time to maturity.
Credit Factor: Bonds of lower credit quality are riskier than bonds of higher credit quality.
Time Factor: Longer-term bonds are riskier than shorter-term bonds. |
All of the above factors are considered as we align your individual portfolio with your unique goals and objectives. Alignment is found in the careful balancing of risk and reward so as to help you make the most of your one financial life. Client focused. Period.
These Additional Resources can be requested to Understand Our Approach
- The Aligned Portfolio Owner's Manual
This white paper offers a more detailed explanation of our investing methodology.
- The Informed Investor
This white paper offers a broad view of our wealth management philosophy.
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