GOALS-BASED INVESTING

First and foremost, we must focus on your goals. Some people have well-defined goals, and others are not so sure.   That’s okay.  While we work with clients to better clarify their hopes and dreams, a healthy discussion of their fears is helpful as well.  The most important dynamic in investment management is whether or not your advisor understands your needs and concerns. 

 

VALUE TILT

Phlox creates broadly diversified portfolios incorporating all the major asset classes, including growth and value stocks. At the margin, however, we do favor value stocks over growth.  This is a philosophy we share with several famous investors, including Warren Buffett, Jeremy Grantham, and Benjamin Graham (Buffett’s mentor). Please see our Phlox Insight on “Buffett’s Alpha” for more detail on value investing. 

 

LOW COST INVESTMENTS

Phlox is an independent firm, free of affiliation* with any financial institution, for many reasons.  First among them is investment cost.   Some large firms have several layers of fees paid by the investor, some of which are paid to support a large sales organization. 

Every investor appreciates the power of “eliminating the middle man.”   This is precisely the Phlox approach.  By designing portfolios in house, utilizing the top research and risk management tools available, Phlox provides high quality investment management services at “wholesale” cost.  This approach is common in the institutional investment space; however, there are fewer firms like Phlox that approach investing in this way with individual investors. 

* your assets are held in safekeeping by a large, reputable third party custodian - please see the FAQ page for more detail