FAMILY INDEX

The Family Index seeks to answer “What do we need now?”, “How much are we going to need in the future?”, “How do we take the least amount of risk possible to get there?” If you have ever asked yourself these questions, you are not alone.

The intent of the Family Index number is to represent the average annual return that you need to earn to make sure you can achieve your financial goals. This is why we don’t fixate on a particular index or market, rather we find a Family Index which allows us to look out for your best interests, help protect you from the down-side and take advantage of potential gains.

This is the essence of goal-based investing.

"A minuscule 4 percent of funds produce market-beating after-tax results with a scant 0.6 percent (annual) margin of gain. The 96 percent of funds that fail to meet or beat the Vanguard 500 Index Fund lose by a wealth-destroying margin of 4.8 percent per annum."

-David Swensen, chief investment officer, Yale University Endowment Fund August 2, 2016