A Hands-on Approach

Comprehensive investment experience and services.

The investing landscape is full of unknowns and with the integration of the "global economy" there has been an increase in both uncertainty and volatility in the market these past few years. At Ethos Wealth Management we utilize the concept Asset Dedication, an institutional cash flow management strategy using assets to offset liabilities. We believe this concept provides a sound plan to reduce as many of those unknowns as possible.

Providing clients with a discipline plan to navigate the volatile waters is perhaps our greatest service. We understand that each client's financial situation and goals require a customized approach to investing, and that many investment objectives can change over time. We incorporate the traditional financial planning areas: estate, retirement, business, insurance, and college planning into our asset dedication model to provide a full financial planning experience.

We will utilize all available investment strategies to execute a financial plan that a client can understand and feel comfortable with. Whether you are in pre-retirement, retirement, or leaving a legacy Ethos Wealth Management can provide a customizable plan designed to address your specific goals and objectives.

"There is no certainty that any investment strategy will be profitable or successful in achieving financial objectives."


Structure and stability for volatility

"The trick of successful investors is to sell when they want to, not when they have to." — Seth Klarman, Margin of Safety

At Ethos Wealth Management we absolutely believe the foundation of investing must encompass discipline, prudence and knowledge. We incorporate a fundamental and behavioral approach to asset selection appropriately based on macro-economic conditions and the client's individual Investment Policy Statement ( IPS) to help construct the appropriate investment portfolio. It is not only important to focus on total return but to understand where to look for potential return and the amount of risk taken to pursue those returns.

One important view regarding our investment philosophy is Portfolio Income. According to Standard & Poor's, dividends were responsible for 44 % of the total return over the last 80 years. We feel the next 80 years will look and feel nothing like the last 80 years. This is why we believe a focus on quality income producing investments such as higher dividend paying stocks, bonds, real estate and other income producing investments will be a necessity for years to come and will also provide a framework to navigate any portfolio through extended periods of volatility.

Using this income approach combined with modern portfolio theory and asset dedication truly offers a diversified strategy from an investment and cash flow standpoint.

"There is no certainty that any investment strategy will be profitable or successful in achieving financial objectives."

Stock investing involves risk including loss of principal. The payment of dividends is not guaranteed. Companies may reduce or eliminate the payment of dividends at any given time.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors.

There is no assurance that the investment objectives of this program will be attained. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.