Trusted Advisor's investment philosophy has been developed after dispassionately researching what works and then following a rational course of action based on empirical evidence. Most people want to believe in gurus and want to think that market timing, stock selection and active management add value, but there is simply no credible evidence supporting the idea that active management enhances investment results over appropriate index benchmarks. Trusted Advisor can dramatically change the way you think about investing and how financial markets work, so that you can make smart decisions about your money.

Five key concepts
Investing can at times seem overwhelming, but it can be broken down into 5 simple, key concepts. In investing just as in all of life, it is the simplest things that consistently work.

Investing vs Speculating
Investors have a bewildering range of investment opportunities when they bring their money to the market. Most fund management companies use complex financial forecasts and financial pornography to tempt customers in, like some fairground crystal ball gazer. At Trusted Advisor we like to redefine investment advice instead of offering a forecast. The good news is, you don't have to receive a successful forecast to be a successful investor.

Dimensional Fund Advisors
Trusted Advisor use Dimensional Fund Advisor’s fund strategies which combine the broad diversification, low cost, and reliable asset class exposure of passive strategies and add value through engineering and trading. Over 1,000 US Investment Advisors rated Dimensional as the best overall company in the US fund management industry 3 years in a row.

The Real Cost of Fund Management
Fund management costs affect portfolio returns, and are measured by a Total Expense Ratio. Stockbrokers and Active Fund Managers have significantly high costs, and in periods of low equity growth, TERs can dramatically eat into returns. Trusted Advisor's institutional grade asset class strategies are very low cost, which increases returns and leaves more money with the customer.

The Effects of Inflation
Investing protects capital from the effects of inflation. Inflation is a hidden cost that needs to be factored in when lifetime cashflow forecasts are constructed. High levels of inflation can erode purchasing power and alter the expected rate of return you may require to achieve your financial goals.



Investment Philsophy Tour  5 Key Concepts