CREATING
FINANCIAL PEACE OF MIND.
We bring clarity to complexity through straightforward, honest advice. Our comprehensive, personal approach is grounded in data-driven, cost-efficient investment management.
Set Your Goals. We’ll Help You Reach Them.
Our clients always know exactly what they own, what they are paying, and who is doing the work.
Comprehensive Advice
We specialize in simplifying the complexities of clients’ lives.
Forté was founded in 2004 in response to a void within the investment advisory landscape. We believe clients deserve better than the opaque, conflicted practices prevalent at most large brokerage firms, banks, and trust companies.
We created a different kind of wealth management firm - one that fully embraces the fiduciary standard. We manage money with discipline and precision that come from experience. And at each step, we provide the level of care and dedication that we would want to see provided to our own families.
Financial Planning
Having a strong financial plan can add confidence, clarity, and simplicity to your life. We work closely with you to review and implement a strategic plan spanning retirement planning, estate planning, income tax planning and risk analysis.
Investment Management
Our investment philosophy is centered on building cost-effective, broadly diversified portfolios, cost-effective implementation, and a comprehensive approach to the investment process that achieves client goals. We will construct a portfolio that has a target rate of return, as determined by the objectives of our clients. This approach aligns well with the fiduciary responsibilities we have for our clients.
Long-Term Thinking & Short-Term Flexibility.
In our view, relative total returns between asset classes are driven both by valuation in the long-term and by changes in fundamentals and investor psychology in the near-to-intermediate term. The careful blend of these two methodologies creates a decisive long-term strategy with the flexibility to drive shorter-term tactical differences in returns. Our allocation process begins with ‘science’ of analyzing historical market data. The ultimate decisions, however, are driven by the ‘art’ of interpreting the data through the filter of our experience and intuition. We believe this process allows us to focus better on making decisions that are logical and unemotional, particularly in highly uncertain markets.
Proactive & Reactive Risk Management.
We believe risk management is a critical discipline and employ a two-pronged approach (playing offense & defense) which strikes a balance between investor objectives and risk tolerance. Our proactive risk management is designed to help prevent an issue from happening in the first place. However, even the most carefully researched investments can fail to perform as expected. If this happens, our reactive risk management aims to mitigate the impact of unexpected events. This disciplined, unemotional process alerts us when an asset reaches a pre-determined threshold so we can take the appropriate action given the current conditions.
*Source: S&P Dow Jones Indices LLC, SPIVA U.S. Scorecard. Past performance is not indicative of future results.
How we are different.
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We are fiduciaries.
Choosing fiduciaries - those legally bound to act in your best interest - will provide you with objective advice and peace of mind. Our model of unbiased advising that is not commission-based or product-focused is becoming harder to find.
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We are fee-only.
Fee-only means we receive payment for our advisory services only in the form of fees paid by our clients for our advice. We are not compensated through commissions. This ensures aligned interest in your success.
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We are transparent.
We believe you should always understand how your money is managed and what you’re paying for it. No hidden fees, no unnecessary complexity—just clear, straightforward communication and full visibility into every decision we make on your behalf.
We are fiduciaries.
Choosing fiduciaries - those legally bound to act in your best interest - will provide you with objective advice and peace of mind. Our model of unbiased advising that is not commission-based or product-focused is becoming harder to find.
We are fee-only.
Fee-only means we receive payment for our advisory services only in the form of fees paid by our clients for our advice. We are not compensated through commissions. This ensures aligned interest in your success.
We are transparent.
We believe you should always understand how your money is managed and what you’re paying for it. No hidden fees, no unnecessary complexity—just clear, straightforward communication and full visibility into every decision we make on your behalf.
We are comprehensive.
We believe you should always understand how your money is managed and what you’re paying for it. No hidden fees, no unnecessary complexity—just clear, straightforward communication and full visibility into every decision we make on your behalf.
About Us.
Investment principles
The core principles of our portfolio management approach are diversification, downside protection, risk-adjusted performance and tax efficiency. Our belief is that you benefit from a detailed process that results in a wealth management strategy addressing all aspects of your financial position. We then leverage and customize those strategies and solutions to provide our clients with a focused, boutique-level experience.
What does it mean that you are a fiduciary?
We are fee-only fiduciaries, and our compensation comes solely from the fees our clients pay for our investment management services. We are transparent in our fee structure and receive no commissions or other compensation for any of the products our clients choose. When you do better, we do better.
Investment philosophy
For more than 20 years, Forté has strived to understand our clients’ individualized investment goals and objectives to best meet their needs. We establish and allocate our accounts strategically and tactically generally utilizing low-cost, passive securities with a focus on tax-efficiency to allow our clients’ portfolios to grow over time, while managing unforeseen downside risk.
How do you make money?
We are fee-only fiduciaries, and our compensation comes solely from the fees our clients pay for our investment management services. We are transparent in our fee structure and receive no commissions or other compensation for any of the products our clients choose. When you do better, we do better.
What type of investments do you use?
Client portfolios are primarily invested in Exchange Traded Funds (“ETFs”). An ETF is a basket of securities that trades on an exchange just like a stock does. ETFs represent a cost-effective and tax-efficient way to gain exposure to a broad basket of securities.
Timothy I. Low.
Managing Director & Chief Compliance Officer
Timothy Low founded Forté Asset Management to provide independent, conflict-free advice focused on long-term wealth management. He brings more than 30 years of experience in the investment industry, including positions at Credit Suisse First Boston (CSFB) and Donaldson, Lufkin & Jenrette (DLJ). Working closely with his Forté colleagues and his clients’ external advisors, he provides thoughtful investment wealth management solutions that integrate his clients’ investments, philanthropic, estate and tax planning objectives.
Mr. Low holds a degree in Economics from Hamilton College.
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