“All the time and effort that people devote to picking the right fund, the hot hand, the great manager, have in most cases led to no advantage.”  – Peter Lynch, famed Fidelity Mallegan Fund Manager
“It won’t be the economy that will do in investors; it will be investors themselves.” – Warren Buffet, Chairman and CEO of Berkshire Hathaway.
“The investor’s chief problem-and even his worst enemy-is likely to be himself.” – Benjamin Graham, Professor and mentor to Warren Buffett.
Our Investing Philosophy

Every investor has an investment plan.  Some watch financial news channels, some subscribe to newsletters, while others simply throw darts at a board and hope for the best.  Where does this get them?

Each year, Lipper, performs a study that looks at the returns of the average investor over the last rolling 20-year period and each year the results are the same:  the average investor not only does not beat the benchmark, they do not even meet the returns of the mutual funds they are invested in.  Why?  Because, most investors are glued to the financial channels, constantly moving in and out of their investments trying to guess the market movements. At Sterling Total Wealth Solutions, we believe there is a better way.

Our money management philosophy is simple; diversify with low-cost Exchange Traded Funds (ETFs) and institutional money managers in a “four-factor” investing model.  Then systematically rebalance that portfolio back to your original risk and goal profile. We lay out your customized investment approach in a written, Investment Policy Statement which becomes our roadmap for guiding you along your financial journey.  With this simple approach, we believe your chances of fulfilling your financial goals are much more easily obtained and more stress free.

Want to learn more about our investing philosophy?  Watch the brief video below then click on the “Contact Us” tab to schedule your complimentary consultation.

* Our investment philosophy does not guarantee a profit or protection from a loss in declining markets.  Investing involves risk, including the loss of principal.

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