Average Return on Investment

A study conducted by an independent research firm found that the average return of the S&P 500 for the 20-year period ending December 31, 2017, was 7.2% per year. Yet, the average equity investor earned only 5.3%.*

‍Why? Most individual investors gravitate toward the next “hot” investment and let emotions rule their portfolio. Our approach aims to take the emotion out of investing to capture market returns while minimizing volatility.

*Source: Quantitative Analysis of Investor Behavior: 2018 QAIB Report” DALBAR, Inc., 2018.

Fee-Only Personal Financial Planning in Lubbock, Texas & Lucas, TX

Our investment program is a fee-only, highly diversified, low-cost, passive investment strategy. We primarily use ETFs and mutual funds from Dimensional Fund Advisors, based on an investment philosophy derived from decades of academic research in financial and market theory.We believe that by investing in various asset classes, using a disciplined approach, the program will provide a reasonable return over the long term while managing risk, which will ultimately result in a sustainable investment strategy.

Disciplined Approach

Green & Deckert’s goal is to help our clients achieve their financial goals by overcoming emotional investing pitfalls. The days of trying to time the markets and chase hot funds and asset classes are over! Instead, we implement a disciplined and well-diversified portfolio that benefits from random asset class movements.

There are four main elements to the program:

Developing Personal
Relationships

The personal relationship that we develop with each of our clients starts with an initial meeting to identify your investment objectives and risk tolerance levels. We review our philosophy and investment approach with you so that you fully understand our portfolio management approach. You will complete a risk tolerance questionnaire that will become the basis for discussing the allocation of various asset classes within your portfolio.

Ongoing Financial Planning

Setting Your Plan
Into Motion

Once you select an allocation, we put together an implementation plan that will coordinate your portfolio’s investment between qualified (tax-advantaged) assets and non-qualified assets to maximize tax efficiency. Doing so can substantially increase the after-tax growth of your portfolio. The topics we address during our time with you vary depending on your unique needs and situation. Our clients hire us because we have the experience to know what questions to ask and when to take action.

Ongoing Rebalancing
and Asset Custody

Our strategy includes enhanced rebalancing of your portfolio to ensure you do not veer too far from the initial allocation per agreement. This strategy ensures that your portfolio risk is consistent with your risk tolerance and financial goals. Additionally, your assets are held at a reputable third-party custodian. This custodian furnishes independent monthly reports so that you can feel confident about the safe handling of your money.