As a business owner, you may feel like your wealth is invested in a single stock -- your privately-held company. Join us to discuss how you can diversify and unlock wealth now and over time.
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
Introduction To Our Processes
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
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
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.
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.
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.
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
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.
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.