Doug Lovett, CFA®, CFP®

D2’s goals-based approach to investing differs from conventional investing methods which strive to only outperform a benchmark or index. Although performance is important, our priority is on helping clients determine and reach their financial goals. D2’s approach provides a clear process for identifying goals and selecting investments to reach them. We recommend “Separate Accounts for Separate Goals” so that each goal has its own portfolio (a Separate Goals Account™, or SGA™) tailored to the risk and reward profile that is appropriate for that goal. We analyze clients’ willingness, ability, and need to take risk and combine this information with the time horizon until the funds are needed to determine how each account will be invested.