You’ve probably seen investment firms touting proprietary algorithms, special tactics and processes. We haven’t seen any of them documented. But we can say this: our investing process isn’t secret; we just focus on pure horsepower: empirical research and analysis. After all, why trust your money to a process you don’t understand?    

It’s your money, so we don’t believe in being secretive about how we invest it. You deserve transparency so we’ll show you what’s under the hood.

David Geller CEO & Co-Founder

Our Team-Based Approach

We use a collaborative model designed to provide our clients with the collective experience only a finely-tuned team can offer. Our process includes checks and balances devised to allay emotions from hampering our decision-making — and yours.

  • Investment Committee

    Investment Committee

    Comprised of JOYN’s senior management and top investment professionals, this group sets the company-wide investing strategy, then manages the processes and teams that execute our strategy. The team regularly reviews, monitors and discusses key economic and market data, then reallocates assets when they identify potential opportunities that fit your investing strategy. They also carve out research time twice a year to identify further opportunities in one or more asset classes.
    Investment Committee

    Investment Committee

    Comprised of JOYN’s senior management and top investment professionals, this group sets the company-wide investing strategy, then manages the processes and teams that execute our strategy. The team regularly reviews, monitors and discusses key economic and market data, then reallocates assets when they identify potential opportunities that fit your investing strategy. They also carve out research time twice a year to identify further opportunities in one or more asset classes.
  • Research Team

    Research Team

    JOYN’s professional research team includes full-time employees and a variety of independent outside resources. We study detailed asset-class research from our outside money managers as well as reports from independent firms to build our market theses. We conduct in-house research to identify opportunities and risks, ascertain prospective money managers, and value asset classes. Then this team presents recommendations to the Investment Committee for final decision-making and implementation.
    Research Team

    Research Team

    JOYN’s professional research team includes full-time employees and a variety of independent outside resources. We study detailed asset-class research from our outside money managers as well as reports from independent firms to build our market theses. We conduct in-house research to identify opportunities and risks, ascertain prospective money managers, and value asset classes. Then this team presents recommendations to the Investment Committee for final decision-making and implementation.
  • Investment Management Team

    Investment Management Team

    It would be incredibly difficult for a single advisor to maintain expertise and monitor day-to-day conditions in a wide variety of asset classes and markets around the world. That’s why we carefully choose and monitor dedicated fund and money managers who specialize in one or more asset classes. We also diligently guard our independence and objectivity when selecting these managers by offering no proprietary JOYN investment products. Among other things, we look for verifiable expertise, defined and transparent processes, and sustained performance.
    Investment Management Team

    Investment Management Team

    It would be incredibly difficult for a single advisor to maintain expertise and monitor day-to-day conditions in a wide variety of asset classes and markets around the world. That’s why we carefully choose and monitor dedicated fund and money managers who specialize in one or more asset classes. We also diligently guard our independence and objectivity when selecting these managers by offering no proprietary JOYN investment products. Among other things, we look for verifiable expertise, defined and transparent processes, and sustained performance.
  • Portfolio Administration Team

    Portfolio Administration Team

    To give our advisors ample time to focus on their clients, JOYN centralizes portfolio administration to handle the day-to-day back-office work that can consume a significant portion of an advisor’s time. They have many time-sensitive responsibilities including executing trades, completing paperwork, selecting investments within a chosen strategy, regularly rebalancing portfolios using our rebalancing software, generating quarterly reports and responding to client requests.
    Portfolio Administration Team

    Portfolio Administration Team

    To give our advisors ample time to focus on their clients, JOYN centralizes portfolio administration to handle the day-to-day back-office work that can consume a significant portion of an advisor’s time. They have many time-sensitive responsibilities including executing trades, completing paperwork, selecting investments within a chosen strategy, regularly rebalancing portfolios using our rebalancing software, generating quarterly reports and responding to client requests.

Introduction To Our Processes

We’re serious about our commitment to helping you reach your life goals. And since we believe in transparency, here’s a look at our systems and processes.

Investing Process

ASSET CLASS ALLOCATION

ASSET CLASS ALLOCATION

Studies and our experience indicate that asset allocation may determine a significant portion of a portfolio’s return over time. So that’s where we start our investment process. We allocate your portfolio among diverse classes that we believe have the ability to provide efficient risk-adjusted return over a full market cycle.

ACTIVE VS PASSIVE ALLOCATION

ACTIVE VS PASSIVE ALLOCATION

To further diversify, we then allocate between active and passive investments within each asset class. We tend to favor passive investments (ETFs/index funds) in more efficient asset classes and active management when we believe managers have the potential to exploit market inefficiencies and outperform their index benchmarks.

SELECTING MONEY MANAGERS

SELECTING MONEY MANAGERS

To provide industry and market expertise in our chosen asset classes and markets, we’ve assembled a number of specialized passive and active money managers. We follow a deliberate process to select and monitor these managers.

PORTFOLIO DESIGN

PORTFOLIO DESIGN

JOYN has a variety of model portfolios to meet our clients’ diverse investment goals – from preservation of principal to maximizing growth, plus income enhancement while managing risk. In addition, we can create custom portfolios by combining elements from our existing model portfolios. We also can create separate portfolios for specific investment goals that differ from your primary objectives.

REBALANCING

REBALANCING

Given the importance of asset allocation in portfolio performance, we use rebalancing software to systematically review and rebalance your portfolio according to market shifts, a process we believe is superior to rebalancing once or twice a year. We may rebalance to help keep your portfolio in line with your target asset allocations, capture potential tax losses, and create opportunities to increase returns by buying low and selling high.

MONITORING

MONITORING

We regularly monitor both the asset allocation of our investment portfolios and the performance of our managers, adjusting both as necessary.

Taking The Edge Off Emotional Investing

Investing without emotion isn’t easy – for you or for us. After all, you’re human and so are we. On our end, we use a team-based approach with checks and balances designed to keep us focused on the facts, not investment stories or emotions. For you, we offer behavioral wealth coaching to help circumvent investment decisions rooted in fear, panic or greed. One way we help: linking investment decisions to long-term priorities, values, and life goals we’ve defined together. Because while emotions are a key part of what makes us human, managing them can be an important key to successful investing.

  • Exercise our collaborative, team-based approach
  • Apply our detailed investment processes
  • Back-test our own assumptions
  • Help clients mitigate emotional investment decisions
  • Monitor developments in investment psychology and behavioral economics
  • Educate, reassure, and coach clients
  • Help build our clients’ Mind Maps to serve as tangible guideposts over time
  • Exercise our collaborative, team-based approach
  • Apply our detailed investment processes
  • Back-test our own assumptions
  • Help clients mitigate emotional investment decisions
  • Monitor developments in investment psychology and behavioral economics
  • Educate, reassure, and coach clients
  • Help build our clients’ Mind Maps to serve as tangible guideposts over time

Our Investing Strategy

Invest for the long term. Beware of risk. Diversify. Buy low, sell high. These strategies may sound like elementary principles for investing, but we still believe they’re the best ones to use. We rely on tried-and-true fundamentals because they’ve been proven over time.

Join Us

When wealth advisors look and sound the same, how do you choose? A coin flip? Pick your neighbor? Why leave such an important decision to chance? Instead, join us at an upcoming workshop. Hear recent research, discover new insights, and experience JOYN’s transparency and expertise firsthand.

Get In Touch