Broker Check

Our Investment Philosophy


Who is really managing your investments?

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At Three Rivers Diversified Capital, we pride ourselves on being benchmark agnostic. This means that we don't recommend holding assets solely because they're part of an index. Our approach sets us apart in the industry, allowing us to prioritize ownership of profitable companies that might typically be a smaller part of your portfolio.

Our portfolios are meticulously designed with an objective of tax efficiency without compromising overall performance. We believe in prioritizing wealth growth over excessive tax savings and are willing to take gains on investments if it means fostering greater prosperity for you on an after-tax basis. We aim to do this by holding more non-correlated securities than our competition.

In our opinion, if your advisor is placing you into model portfolios with benchmarked ETFs and closet benchmarked Mutual funds, you may want to consider their value-add. We founded Three Rivers Diversified Capital as a result of seeing Financial Advisors using model portfolios that arbitrarily hug a  benchmark and then hide behind the two pieces of Financial Planning and Tax planning. We certainly agree that these elements are vitally important, and we aim to provide them, but our core value add is that we deliver customized portfolios that large-scale firms may not provide or are unwilling to do so for fear of not being on benchmark.

From an investment management perspective, we're driven by the balance between risk and reward. We proactively rebalance around market events, aiming to buy low and sell high in alignment with your risk tolerance. When public market valuations seem stretched, we integrate private market and other non-correlated assets to your portfolio. Our objective is to hold assets with appealing asymmetric risk and reward profiles, ultimately striving to grow your wealth while accounting for inflation.

This philosophy manifests in the holdings within your portfolio, which are carefully selected with a goal to prioritize profitable and growing businesses whenever possible. We continuously explore new ETFs and Funds that seek to enhance the value we provide.

Important Disclosures:

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. Investing involves risk including loss of principal. No strategy assures success or protects against loss.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.