An Evidence-Based Approach to Investing
Our evidence-based approach helps you do that.
Our philosophy is grounded in decades of academic research, including Nobel Prize-winning work on the dimensions of expected returns. We use it to guide how we structure, diversify, and manage portfolios, with the goal of improving long-term expected returns while keeping diversification and risk appropriate. We also focus on what we can control: costs, taxes, risk, diversification, and investor behavior, using low-cost ETFs and other cost-efficient investments where appropriate.
Your portfolio should support your financial plan and the life you want to live. We manage investments with your retirement income needs, tax situation, risk tolerance, and long-term goals in mind.
Prices reflect a great deal of information and are hard to predict consistently.
We don't rely on forecasts or predictions to make decisions.
Spread risk across investments, markets, and asset classes.
We keep short-term market movements in perspective.
We use research on factors that have historically influenced expected returns.
We favor low-cost ETFs and cost-efficient investments when appropriate.
Taxes factor into every investment and portfolio decision.
Diversification, costs, taxes, risk, and disciplined behavior.
We don’t react to headlines, chase trends, or try to predict short-term market movements.
At Inclinevest, we focus on what you can control:
Markets are unpredictable in the short term, and we expect volatility. Bear markets are a normal part of investing, and over time, disciplined investors who follow a structured strategy with principles that have consistently worked have been rewarded.
It depends on your allocation, goals, time horizon, and risk tolerance.
We can show you historical return data for different portfolio allocations, but past performance is a reference point, not a prediction. Actual results vary with the investments used, market conditions, and your personal circumstances.
Most people don’t hire us to chase the highest possible return. If that were the goal, we wouldn’t diversify. We’d concentrate assets in a handful of high-conviction bets and accept far more risk along with it.
Most people want a strong return within their personal risk tolerance, paired with a plan that helps them make better decisions over time. An advisor’s value comes from helping you maintain a strategy that fits your goals and gives you the best odds of long-term success.
We can’t promise you a return number, and we’d be skeptical of anyone who does. What we can offer is a plan shaped around your goals and risk tolerance, one that helps you stay invested through the cycles that determine your results.
The primary driver of long-term performance comes from how your portfolio is structured across asset classes.
Market prices reflect available information. Consistently outperforming markets through prediction is unlikely.
Your portfolio is tailored to your goals, timeline, and financial situation — not a one-size-fits-all model.
We combine the efficiency of passive investing with selective active strategies where they add value, and we stay opportunistic when markets give us a reason to act.
Investment decisions should never be made in isolation — taxes play a critical role in long-term outcomes.
Trying to time the market often leads to missed opportunities.
Even missing a small number of strong market days can significantly impact long-term results.
Our role is to help you stay on track when uncertainty makes that difficult.
These visuals highlight key principles for long-term investors.
The Randomness of Global Stock Returns
Bulls, Bears, and Long-Term Benefits of Stock Investing
If you want an investment strategy aligned with your retirement plan, tax situation, and long-term goals, the first step is a simple conversation.
No obligation. Just a conversation.
