Investment Management

We provide investment management services on a discretionary basis. Our process begins with getting to know you via an extensive client interview and data gathering process. We want to better understand your background, financial situation, goals, values, worries, and preferences which will help us determine the appropriate path forward.

Based on our discussion, we develop a customized Investment Policy Statement (IPS). The IPS document incorporates key information gathered in our discussions with a detailed analysis of our investment recommendations. Upon your approval, the IPS becomes the guiding document for the management of your investment portfolio, and we begin implementation of the recommended changes across your accounts.

We believe transparency and communication are critical to a positive client experience. You will receive a quarterly client reporting package with details on your portfolio holdings, investment performance, and fee calculations. In conjunction with our quarterly reports, we write a quarterly letter providing general education on critical investment topics and discuss the current market environment and portfolio adjustments.

Our Investment Philosophy & Approach

We follow an evidence-based, systematic approach to investment research and portfolio construction through a combination of in-house expertise and third-party research. Client portfolios are primarily constructed using a mix of low-cost ETFs, mutual funds, and individual bonds. Timmons Wealth Management maintains an open-architecture investment platform, meaning we have the ability to access a wide range of investment products and asset classes without being tied to a single provider or fund company. We maintain a strict focus on risk management and portfolio diversification, systematically rebalancing portfolios to remain in-line with your Investment Policy Statement.

Timmons Wealth Management’s investment philosophy is driven by the following principles:

  • Successful investing requires discipline and patience.
  • Markets are fairly efficient and difficult to beat consistently.
  • Systematic investing can improve outcomes and reduce the harmful effect of behavioral biases.
  • Risk and return are closely related and can be exploited through diversification.
  • Investment costs matter and should be commensurate with the value provided.
  • Tax efficiency is critical. It is what you keep after-taxes that matters.
  • Risk management requires ongoing monitoring and due diligence.