Investment Management and Advisement

Let the markets work for you. Financial markets have rewarded long-term investors. People expect a positive return on the capital they invest, and historically, the equity and bond markets have provided growth of wealth that has more than offset inflation.
  • Growth of a Dollar

  • US Market Intra-year Gains and Declines vs. Calendar Year Returns

Investment Philosophy

In a nutshell, we believe in risk-appropriate diversified portfolios of low-cost mutual funds, index funds or exchange traded funds(ETFs) work out best for most people in the long-run. We believe in long-term strategy over short-term tactics.


We believe the main factor in determining an investor’s rate of return is the equity level (the aggressiveness) of their portfolio. We use various methods to determine an appropriate high-level equity allocation for our client’s individual circumstances.


We believe there are two fundamental aspects to investing: the emotional/behavioral aspect and the methodology aspect.

Behavioral finance is a huge topic and a significant factor both on the individual investors level and in the market as a whole. We try to be an analytical, calm, and compassionate partner to our clients as we navigate the market ups and downs.

Investing methodology are the elements most people think of when talking about investing. We believe in the following fundamental principles when it comes to designing an investment portfolio and making specific recommendations:

  • We believe that a diversified, well-balanced portfolio, combined with long-term buy-and-hold strategies, affordability and patience, increases the likelihood that one will achieve his or her long-term financial objectives.
  • The appropriate allocation of investment assets for your goals and risk tolerance is the most important component in developing an investment portfolio.
  • In the equity asset class, we believe that mutual funds, index funds and exchange traded funds are the most appropriate vehicles for the typical investor. All other things being equal, we believe a fund with less overhead (expense) will perform better over time than a fund with high overhead. We generally do not recommend individual stocks.
  • Taxes can take a bite out of investor returns, as such, our recommendations are made from a tax-conscious perspective.
  • Difference of opinion makes a market. Investment and economic “experts” provided with the same information often come to different conclusions. We do not suggest that we, or that any of the mutual fund managers that we may recommend, can predict the future. We do believe, however, that studying the historic trends and relationships of investment classes and the philosophies can provide valuable insight.


As fiduciaries for our clients, we strive to use the most appropriate investment vehicles to meet a client’s objectives, while being very conscious of total expenses and risk exposure. The design of the portfolio takes into account the client’s financial objectives, tolerance for risk, needs for current income or liquidity, and special considerations such as income or estate taxes. Tax implications are always taken into consideration.

Different client circumstances will generate different recommendations.

In our investment recommendations, we often utilize some Vanguard funds. For accounts we manage we often use some Dimensional funds. Dimensional is a highly regarded firm specializing in low-cost passive style funds. They add some academic rigor to the passive approach and their mutual funds are only accessible via approved advisors.

How we're different

Successful investment management starts with discipline. It is the cornerstone of your financial future. At Stanhouse Financial Planning and Management, LLC, we manage your assets as if they were our own. We work to achieve our clients goals through appropriate growth and income, but also have a finite focus on risk and all of the competing forces that can impact a portfolio over time. Through extensive research, tactical allocation, and focused risk modeling and management, our portfolios help clients stick with their plan and achieve their long-term goals.

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We offer a complementary get acquainted meeting to get to know each other and to see if we are a good fit.

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