INVESTMENT PHILOSOPHY

Independent Financial Solutions employs the principles of Noble Prize winning Modern Portfolio Theory.  We focus on reducing portfolio volatility, improving tax efficiency, minimizing fees, and achieving strong long-term returns.  Investment portfolios are tailored to clients' individual needs and risk tolerance levels.  We do not “time” the markets, nor do we believe we can consistently “beat” the market without taking additional risk (be wary of the firm that promises it can).

We advocate diversification across asset classes (stocks, bonds, real estate), capitalization (large, medium, and small sized companies), valuation (growth, value, and blend), and sectors (financial, services, technology, industrial, et cetera).  Our firm does not select individual stocks.  Instead, we use index funds, exchange traded funds, folios, and mutual funds to construct a diversified and tax-efficient portfolio.  By outsourcing the stock selection process, clients gain access to the best investment managers in the world.  Managers are selected based on their excellent long-term track records and consistent performance.  (There is no sense selecting a mutual fund for its strong record if the manager that earned that record is no longer responsible for investment decisions.)

Outsourcing individual stock selection allows IFS time to focus on clients' overall asset allocation and financial planning considerations.  This is particularly important considering the 1991 Brinson, Singer & Beebower study that showed security selection accounts for only 5% of a portfolio’s return, whereas asset allocation accounts for 92% of its return.  For more information on historic investment returns and volatility, please request a brochure on investment principles. 

Financial planning and investment advice can only be rendered after delivery of a Form ADV Part II. Independent Financial Solutions LLC is registered with the State of Utah Securities Division.  This web site is not deemed to be a solicitation for advisory services in any state where IFS is not registered or exempt from registration.