Planning. Investments.

A goals-driven experience for today’s inspired investor.

Ronald E. Madey, CFA Chief Investment Officer & Chief Compliance Officer

Investments in Context

A Letter from Our CIO Ron

When it comes to money, there are three things we all want: clarity, confidence, and control. When it comes to our life experience, there are two things we all want to avoid: unnecessary risk and unnecessary sacrifice. To attain both, we must learn how to control the controllable and to manage the risk of the uncontrollable.

In other words, not only do we have to “do things right”, but we have to “do the right things.” This takes self-understanding, insight and discipline. It also requires a well-thought-out investment framework and the models, algorithms, and resources to implement it.

We have good news for you. Over 15 years ago, we delivered a patented process that puts you in control and gives you clarity and confidence surrounding your goals, all while helping you manage risk and avoid unnecessary sacrifice. In addition, our structured investment policy and investment choice framework gives you the power to determine an investment strategy that aligns with your preferences and is also cost-effective, risk-managed and tightly connected to your goals. This “Wealthcare Way” offers tremendous benefits for advisors, enterprise organizations and investors.

Ronald E. Madey, CFA®
Chief Investment Officer

Investment Policy Framework

Every investor makes four critical policy decisions that drive their investment experience: Risk Allocation, Asset Allocation, Active Risk Policy and Cost/Tax Management. Most investors are familiar with these concepts. However, few investors or their advisors make all four explicitly, systematically, and consistently in both their financial plans and their investment portfolios. This creates unintended gaps or disconnections between what they plan and what they do. They may plan on the right things for them but end up not doing what they planned, reducing clarity and confidence in pursuing their goals.

Our process helps investors to make all four decisions explicit, systematic, and consistent in both their financial plans and their investment strategies. We help investors understand the impact of all four decisions on their life plans, so they can make these decisions explicitly and appropriately for their situations, thereby raising their comfort and confidence in knowing that they will stay on track. In short, through our framework, we help investors to do the right things and to do things right.



Investment Philosophy

There are many ways to make the journey from New York to San Francisco – plane, car, bike, train or boat – and many different stops along the way to consider. How you travel and the path you take depends on your goals for the trip and how you want to experience the journey. No matter how you choose to travel, you want the trip to be cost-effective, you want to avoid unnecessary risk, and you want to reach your destination.

The same is true for your life journey and your investments. Once you select your Risk Allocation, our straightforward 2×2 investment strategy framework helps you make informed and explicit decisions regarding your Asset Allocation Policy and your Active Risk Policy. We then capture those decisions consistently in both your financial plan and investment strategy.

Investment Strategy Framework

2×2 Approach

For all 16 strategy combinations below, we have structured and made available to you investment strategies that are goals-connected, cost-risk-managed and cost-effective. Through our modeling techniques and algorithms, we connect these strategies to your financial plan through a robust capital markets and active risk assumptions framework.

We believe managing investment cost is a key determinant of success. Whether you’re a client or an advisor, we offer multiple passive strategies to help you minimize costs while matching your preferences.

For clients who express a preference for strategies that have active elements, we provide a framework for the prudent use of active management. We capture the additional cost and active risk of these strategies relative to the potential for extra return in both the portfolio design and your financial plan.


Use Our Investment Philosophy to Achieve Your Goals