The investment philosophy that guides our choices
The professionals at Mainspring Wealth Advisors are held to an investment philosophy that clearly puts client interests first. This ensures all investment recommendations are based on clearly defined goals and comfort level with risk, and that every client will receive the same high level of care, consideration and service.
Our professionals work for you – not a company – enabling them to make investment recommendations with objectivity.
The majority of investments we use are liquid every day and can be reviewed on any major financial website.
Long-term, comprehensive focus:
Your portfolio will be built based on your personal benchmark, not the S&P 500. We are not traders and do not make decisions based on fear or emotion. Rather, we will focus on what your portfolio will enable you to do from a lifestyle and legacy perspective and not exclusively on rates of return.
Risk adjusted returns:
We believe the level of risk you are willing to assume should return an equal reward. We generally look to protect the downside and minimize volatility.
We believe lower is generally better but we will also focus on finding the investments with top returns net of fees.
We prefer investment managers who have conviction in their holdings – who don't buy and sell too often – to help achieve lower fees and taxes.
Our goal is to maximize after-tax returns in non-qualified accounts. That is why we prefer funds with lower turnover and capital gain distributions. We also use tax-loss harvesting throughout the year to minimize taxes long term.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™, and in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Investments & Wealth Institute™ (The Institute) is the owner of the certification marks “CIMA®” and “Certified Investment Management Analyst℠.” Use of CIMA® and/or Certified Investment Management Analyst℠ signifies that the user has successfully completed The Institute's initial and ongoing credentialing requirements for investment management professionals.