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Investment Philosophy

HWP Investment Philosophy

We believe in a thoughtful, straightforward investment philosophy: long-term investing with an emphasis on diversification, reducing fees, and tax awareness. We match your personalized investment strategy to your financial objectives and risk tolerance. 

Our Core Principles

Focus on Costs

Expenses can be a significant drag on returns over the long term.  It is essential to minimize costs within a portfolio.

Diversify Broadly

No one knows what the stock market is going to do tomorrow.  Given this uncertainty, the best strategy is to invest as broadly as possible. Years of experience have prepared us to guide you through your life transitions.

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.

Allocate Prudently

Your asset allocation -- the mix of stocks and bonds -- will have a great impact on your portfolio's long-term performance. 


Asset allocation does not ensure a profit or protect against a loss.

Stay the Course

Our emotions cause us to plunge into stocks at their highs, and to bail out as they reach depressing lows -- the opposite of what cool logic and common sense would prescribe.  Don't let short-term volatility undermine your long-term investment goals.

Risk & Return 

The principles of risk and return go hand in hand. Your investment plan is tailored to align with your personal objectives, timeline, and risk tolerance.

Let's Talk.

Thank you!