Chasing trends and reacting to headlines isn’t a strategy. A portfolio aligned with your financial goals, risk tolerance, time horizon, and tax situation is.
We manage portfolios using low cost, evidence-based strategies, tailored to your circumstances and adjusted as your life and goals change. We don’t react to headlines, chase trends, or try to predict short-term market movements. Our approach rests on decades of academic research and real-world evidence, not guesswork.
We custody assets at Charles Schwab, Inc. and use an open architecture platform, giving us access to a broad range of ETFs, stocks, mutual funds, and other investments. We’re not limited to a proprietary lineup, so we can select the investments we believe fit your goals, circumstances, and portfolio.
Our Investment Principles
We don’t react to headlines, chase trends, or try to predict short-term market movements.
Markets are unpredictable in the short term, and we expect volatility. Bear markets have historically occurred about once every 3 to 4 years, but over time, disciplined investors have been rewarded. The key isn’t outguessing the market. It’s following a structured strategy with principles that have consistently worked.
At Inclinevest, we focus on what you can control:
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.
What most people actually want is a strong return within their personal risk tolerance, paired with a plan that helps them make better decisions over time. That’s where an advisor’s value comes from: not predicting markets, but 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.
