Your Investments

Your Flatrock team brings over fifty years of working with leading independent financial advisors, institutional investors, asset managers and academics.  This experience has led us to the following investment beliefs that form the basis of our wealth management strategies.  Bolstered by peer-reviewed academic studies, we believe these to be the most reliable drivers of successful long-term investment outcomes:

1. Invest for the long run, don’t speculate – We identify and invest in asset classes that a) historically produce robust long horizon returns backed by a sound economic rationale and b) can be accessed at reasonable costs and administrative burden. 
2. Diversify across asset classes and economic stages – We combine these asset classes to lower long-term risk and ensure resilience across different economic regimes.  
3. Portfolio design and craftsmanship – We think carefully about portfolio design and structure in implementing each asset class.  We believe this is a more reliable approach than predicting shorter term market moves or selecting recently winning active managers (i.e. “Picking Winners”.)
4. Minimize fees and taxes – Fees and taxes assuredly erode wealth over long time periods.  Each strategy used in client portfolios is evaluated on an after-tax and after-fee basis.  Further, we proactively look implement tax loss harvesting, charitable giving and asset location strategies.   

With these core tenets in place, we turn our attention to your household. Your household and priorities are the center of the process, not the market.  We integrate your financial priorities, investment objectives, existing positions and current financial structure into a whole picture portfolio.  We often find your investment portfolio acts as a “completion portfolio” around your closely held business interests or human capital.