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Our Investment Philosophy

Investors are faced with a dilemma: the market is far less predictable that we would like. There can be a long bull market with steady growth, only to be followed by a long bear market with steady declines and increased volatility. Market swings and reversals can be unsettling, and you are likely wondering what that means for personal investing. 

At Financial Dimensions, we believe that both market types represent challenges and advantages that can be managed with the right strategies. Our goal is to protect your portfolio in bear markets and maintain the flexibility to take advantage of bull markets. Asset class diversification is good, but not enough. We provide our clients with an investment framework that includes three investment approaches: core markets, tactical strategies, and diversifying strategies.

Leading with a plan is key because financial planning is not an event, but a journey. The strategies we create are living, breathing things that adjust as life and the markets change. As Eisenhower said, "plans are useless, but planning is invaluable."

Core Strategies provide broad market exposure to allow you to participate in the growth of the domestic or global economies.

Tactical Strategies can help investors attempt greater returns through greater equity exposure in up markets, or attempt to limit extreme losses during challenging markets.

Diversifying Strategies can smooth overall portfolio performance when you need it most.

In the past, tools like stress testing, mathematical-based analyses, and institutional levels of knowledge were only available to the top investors or large corporations. At our firm, we take everything we have learned and apply it to your personal situation. Our strategies are diversified and we build plans that are adaptable and ever-evolving.


There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.