Investment Philosophy

While RSA incorporates each client’s specific goals into the construction of their portfolio, our investment philosophy remains the same across all client portfolios - invest for long-term success, stay diversified, and be mindful of costs.

Invest for Long-Term Success
We do not engage in “market timing” - the rapid jumping in and out of markets that has been shown to be costly and ineffective. Instead, we recommend an investment allocation based on your risk tolerance and long-term goals.  We then monitor the economic and market landscape so we can recommend portfolio changes when necessary for long-term success. 

Over time, your goals may change. We believe in maintaining an on-going dialogue so we know when your situation changes and can ensure that your allocation continues to match your needs. It is our goal that every client understands and is comfortable with how their portfolio allocation and their lifestyle work together for the long term.

Stay Diversified
The portfolios that RSA recommends generally consist of mutual funds and/or exchange-traded funds that are a mixture of passively and actively managed. The goal is to create a portfolio that is efficiently diversified while also benefiting from the expertise of a seasoned investment management team where it has been shown to add value. 

Be Mindful of Costs
We are mindful of costs because over the long-run, proper allocation and expenses have been shown to have the biggest impact on returns. The proper asset allocation is all about staying diversified and investing to grow gains over the long-run. Having those hard-earned gains eaten up by excessive investment company fees goes against our goal of doing what is best for our clients. 


Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas  – Paul Samuelson, Nobel prize economist