We base our recommendations on quantitative analysis and peer-reviewed economic research. Rules of thumb are a poor substitute for careful analysis.

We don’t have opinions on the direction of security prices – the evidence suggests that they are unpredictable.

We recognize that no one knows exactly how security returns behave – this keeps our forecasts of how much your portfolio will grow appropriately conservative. For a detailed discussion, see Our Methods: New Frontier Advisors.

We recognize that financial planning requires dynamic programming – a sophisticated mathematical technique for solving problems over time. Our financial planning software, ESPlanner, uses this technique to produce a more accurate financial plan. For a detailed discussion, see Our Methods: ESPlanner.