Our Investment Management Process Includes:

• Broad Diversification: Our portfolios own many securities. Investment outcomes do not depend on a single company or sector.
• All-Season Multi-Asset Strategy: Utilizing our exclusive All-Season framework, we navigate changes in economic growth and inflation to provide more consistent returns in various market environments.
• Factors of Higher Expected Returns: Our portfolios emphasize statistical markers (factors) associated with higher expected returns. For equities, we focus on the value, size, and profitability factors. For fixed income, we emphasize term and credit spreads.
• Disciplined: Our disciplined rebalancing approach maintains risk alignment and seizes opportunities through a buy-low-and-sell-high approach.
• Cost-Efficient: We are paid by clients, not our vendors, incentivizing us to prioritize low expense ratios and trading costs.
• Tax-Optimized: We seek to reduce taxes using broadly diversified mutual funds and exchange traded funds (ETFs) with low turnover; using tax-advantaged vehicles such as ETFs for their ability to do like-kind exchanges; and implementing tax-loss harvesting.
• WYZE Direct Strategy: Our proprietary stock model strongly emphasizes our factors. More concentrated exposure creates potential for better risk-adjusted returns. Unlike mutual funds and ETFs, the strategy has no operating expense fees.