Standard Planning Company's investment philosophy is based on years of research of actual investment results by top academics in the fields of economics and finance.  That research reveals some very basic truths about investing, namely that stock picking does not work, money manager picking does not work and market timing does not work.  Sure, sometimes one can pick a winning stock that out performs the market, sometimes one can select a money manager who outperforms the market and sometimes one can correctly time their "ins and outs" of the market in such a way as to outperform the market.  The problem is the actual data over the past 80 years shows  these feats cannot be done with any demonstratable consistency or predictability.  Most investors with any significant experience know exactly what we mean.

The reason one earns a return on their money is because they have exposed it to certains risks.  The greater the exposure to risk, the higher the expected return. The key to a successful, satisfying long term investing experience is first identifying that level of risk with which one is comfortable and then investing in a portfolio  structured to deliver the highest expected return within that risk exposure.

Portfolio construction always addresses issues associated with internal fund expenses, advisory fees and tax costs.  Standard Planning Company recognizes that expenses associated with the client's portfolio lessen that client's return and consequently, every effort is made to minimize those expenses.