Investment philosophy I believe in keeping your investment costs as low as possible and your money available to you when you need it. My process contains the following steps.Financial Plan:Creating your optimal portfolio starts with a financial plan. First we will determine your goals, risk tolerance, and time horizon. For example, "I would like to retire in 10 years", or "I need to create an emergency fund", or "I am retired now and need to generate income each month". We will then incorporate your hopes and concerns, for example, "I hope to grow this money by a certain percentage over time", or "I am concerned about the market and don't want to lose my principal".Asset Allocation:Next we will create an asset allocation (mix of different asset classes such as stocks, bonds, cash, and alternatives) that is appropriate for your risk tolerance and time horizon.Research: I do the research to determine which asset classes are performing the best. I look at rankings of each asset class focusing on those doing the best in today's market. Rankings are determined by looking at valuation, growth, and technical patterns.Investment Selection: I will then create a diversified, customized portfolio for you, typically using no-load exchange traded funds (ETF's). Ongoing Tactical Management:I seek to overweight asset classes and sectors of the market doing better, and underweight or avoid altogether areas of the market doing poorly. A small trading commission may apply to buying and selling some ETF's.Please be aware that markets fluctuate every day and that ETF investing carries risks including the potential for loss of principal. Asset allocation, which is driven by complex mathematical models, should not be confused with the much simpler concept of diversification. Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Additional risks are associated with international investing, such as currency fluctuations, political, and economic stability, and differences in accounting standards. Rebalancing may be a taxable event. Denton Olde nor Olde Wealth Management, LLC provide tax advice. You may wish to consult your tax professional regarding your individual circumstances.