How We Invest: Our Principles

With most important goals in life (like retirement), you only get one chance to do it right. You can't take out a loan for retirement. Well, at least, not yet.

As investment managers, knowing that the stakes are so high, we use a disciplined set of rules, called our Principles. When the market panics, we don’t change our Principles. When the market gets greedy, we don’t change them either.

If you'd like to learn more in detail about our principles, please read The Seven Core Principles by Lucas Wagner, MBA CFP®

Investments We Use

For More Information

To learn more about our methodologies or principles:

• The Seven Core Principles
  by Lucas Wagner, MBA CFP®
• Portfolio Allocation Methodology
  by Nina Shaw, CFA and Lucas Wagner, MBA CFP®
• Security Selection Methodology
  by Nina Shaw, CFA and Lucas Wagner, MBA CFP®

** All data is taken from Morningstar.com. Calamos International Growth Fund A inception date is 3/16/2005. PIMCO Commodity Real Return Strategy Fund A inception date is 11/29/02. Vanguard FTSE All-World ex US ETF inception date is 3/2/2007. Vanguard Intermediate-Term Bond Index ETF inception date is 4/6/2007. Vanguard Long-Term Bond Index ETF inception date is 4/6/2007. Vanguard Short-Term Bond Index ETF inception date is 4/6/2007. Vanguard Total Bond Market ETF inception date is 4/6/2007. WisdomTree MidCap Earnings ETF inception date is 2/23/2007. WisdomTree SmallCap Earnings ETF inception date is 2/23/2007.

* Data is as of 11/30/2011.