At Tone Financial Advisors, our investment philosophy is simple but powerful, divided into three key Principles and three key Practices: Principles 1. Faith in the US economic system and in the market’s long-term ability to increase wealth for investors 2. Patience to endure the unsurprising and necessary swings in market levels 3. Discipline to avoid the Big Mistakes and to continue on a prudent investment strategy just when everyone else is jumping ship Practices 1. Asset Allocation across multiple asset types, tailoring overall risk to each client’s risk profile 2. Diversification across multiple investments within those asset classes, reducing specific stock and sector risks 3. Rebalancing the entire portfolio as needed to conform to an asset allocation model established individually for each client These Principles and Practices, depicted in the triangle above, have successfully lead our clients through some of the most challenging market conditions of the modern era.