Our Investment Philosophy
At Oakwood Summit, we believe that successful investing requires discipline, patience, and a scientific approach based on decades of financial research. Our investment philosophy is centered on these key principles:
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Markets work: We believe in the power of markets to price securities efficiently over time.
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Risk and return are related: Higher expected returns come with higher risks.
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Diversification is essential: Broad diversification reduces risk and enhances returns.
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Portfolio structure determines performance:
Asset allocation is the primary driver of returns.
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Costs and taxes matter: Minimizing both significantly enhances net returns.
Our approach integrates your investment strategy with your tax planning and overall financial goals, creating a cohesive wealth management solution.
Why Our Approach Is Different
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We focus on tax planning, not just tax preparation
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All strategies are backed by IRS code, court precedents, and rulings
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Integrated with your investment and wealth protection strategies
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Continually updated for changing tax laws and regulations
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Focused on sustainable, long-term tax reduction
Portfolio Management Process
1. Discovery & Analysis
We begin by understanding your financial goals, risk tolerance, time horizon, and existing financial situation to create a personalized investment strategy.
2. Portfolio Construction
Using evidence-based strategies, we construct a diversified portfolio aligned with your goals, focusing on optimal asset allocation and tax efficiency.
3. Implementation
We implement your portfolio strategy with a focus on minimizing costs and taxes, ensuring efficient execution of your investment plan.
4. Monitoring & Rebalancing
We continuously monitor your portfolio and make adjustments as needed, keeping your investments aligned with your goals as markets change.
Retirement Planning
Retirement planning is about more than just accumulating assets—it's about creating a sustainable income stream that will last throughout your retirement years while minimizing taxes.
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Our retirement planning services help you determine how much you need to save, the most tax-efficient ways to save, and the optimal strategies for withdrawing from your retirement accounts to minimize taxes and maximize income.
Fee Structure
As a fiduciary financial advisor, we believe in transparent, straightforward fee structures that align our interests with yours. We offer:
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Asset-Based Fee: A transparent percentage based on assets under management.
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Financial Planning Fee: For comprehensive financial planning services, we may charge a separate flat fee based on the complexity of your situation.
We do not receive commissions or kickbacks from investment products, ensuring our recommendations are always in your best interest.