investment philosophy

We believe that the key to making money long-term is not to lose money. Significant gains in your wealth usually result from consistent, reasonable performance over time.

We believe that absolute performance, not returns relative to a benchmark, is what really matters. Furthermore, your fees should be low in order to maximize your net absolute performance. High fees cause a significant drag on wealth accumulation.

We believe that receiving independent investment advice is essential. Your investment advisor should be completely free of transactional relationships with brokerage firms, commercial banks, investment bankers, insurance companies, mutual fund management companies and employees of financial advisory firms. Your advisor should not be a seller or promoter of investment products in order to be truly representing your best interests.

We believe in investing our own money side by side our clients' money.

Please download our brochure below for a detailed explanation of our philosophy, strategy and implementation of our approach.

Advocate Brochure (in Adobe PDF format)