Investment Consulting

You’re this close to confident investing. If you’re like most investors, you’ve been at it a while, yet it still seems as if everyone else knows something you don’t. They’re so busy reacting, adjusting, responding. But is it working? Tear down the façade and the vast majority of investors are running blind, falling behind in a dissatisfying “Behavior Gap” between available market returns and their own, lagging results.

Redirect yourself. At Jennings Financial Planning, we’ll show you what confident investing looks like. It’s about advancing toward your own finish line – the one you’ve defined – with energy to spare for the things you really want to be doing. It’s about deliberate action, not fast action. It’s about participating in market returns, not chasing them. It shifts your mindset from getting rich to living a rich life.

We call this “evidence-based investing.” In contrast to most investors’ hyperactive (and costly) efforts, we help you plan, build and manage your portfolio to harness:

• Sound investment theory – More than a half-century of solid academic evidence describes how markets are expected to deliver available returns to steadfast, patient investors. It has to do with “asset allocation” (because that’s where you’ll find the lion’s share of return variation action), as well as a high emphasis on cost control and tax management (because that’s where most investors do the most damage to their results). 
• Sound portfolio construction – To convert theory into action, we turn to a few select fund families who offer us strong, practical investment solutions designed according to these same principles. We construct the core of most of our client portfolios using low-cost, asset class funds from Dimensional Fund Advisors and Bridgeway Capital Management. For our fixed income investments, when appropriate, we also can turn to a distinct solution for building individual bond portfolios, highly customized to deliver income and/or portfolio stability according to your unique goals. Click on Fixed Income Services for more information and on Fixed Income Monitoring to learn how we approach this critical aspect of maintaining a customized portfolio.
• Sound investment management – To help you reach your personal finish line, we manage your portfolio with disciplined buying, holding and periodic rebalancing. We also meet with you regularly to answer questions, improve understanding and explore whether your underlying goals have changed. If they do, we make portfolio adjustments to reflect your revised course. Sensibly, proactively, according to your unique needs.