How we invest
Investment Philosophy
A disciplined, research-driven approach to building wealth — grounded in fundamentals, not speculation.
Our Approach
At Forza, we believe that successful long-term investing requires discipline, patience, and a rigorous analytical process. We do not chase market trends or speculate. Instead, we construct portfolios built on fundamental research and sound valuation principles.
Our investment process is designed to identify high-quality securities trading at attractive valuations, then hold them with conviction through market cycles. We believe this approach — combined with proper diversification and risk management — is the most reliable path to building and preserving wealth over time.
Core Investment Beliefs
Fundamental Research
Every investment decision is grounded in rigorous fundamental analysis — examining a company's financial health, competitive position, management quality, and long-term earnings potential.
Valuation Discipline
We only invest when we believe a security is trading at a meaningful discount to its intrinsic value. Paying the right price is as important as picking the right investment.
Long-Term Perspective
We invest with a multi-year time horizon. Short-term market volatility creates opportunity for patient investors who focus on long-term fundamentals rather than daily price movements.
Risk Management
Protecting capital is paramount. We actively manage portfolio risk through diversification, position sizing, and ongoing monitoring of each holding's risk/reward profile.
Customized Portfolios
No two clients are alike. Each portfolio is tailored to the client's specific financial objectives, risk tolerance, time horizon, and liquidity needs — as defined in their Investment Policy Statement.
Fee-Only Alignment
As a fee-only advisor, our compensation is tied to your assets — not commissions. Our interests are fully aligned with yours: when your portfolio grows, we grow with you.
Our Investment Process
Client Discovery
We begin by deeply understanding your financial situation, goals, risk tolerance, and time horizon through a comprehensive discovery process.
Investment Policy Statement
We develop a customized IPS that documents your objectives, constraints, and the strategic asset allocation designed to meet your goals.
Portfolio Construction
Using our disciplined research process, we build a diversified portfolio of individual securities selected for their fundamental quality and valuation.
Ongoing Monitoring
We continuously monitor each holding and the overall portfolio, rebalancing as needed and communicating with you on a regular basis.
The 10-Step Investment Process
Once you decide to engage our firm as your advisor, our 10-Step Investment Process is as follows:
Fee Arrangement & Advisory Agreement
Determine investible assets and fee arrangement. Prepare and sign an Investment Advisory Agreement.
Identify Goals & Risk Tolerance
We will work with you to identify your individual (or group) needs, goals and risk tolerance. We will ask you to fill out our Risk Tolerance and Planning Questionnaires to help us evaluate your financial situation.
Develop an Investment Policy Statement
We develop a unique Investment Policy Statement (IPS) and an appropriate investment strategy for you which includes short- and long-term goals, the rate of return necessary to achieve these goals and asset allocation guidelines.
Open Custodial Account
Open an account at our custodian (Schwab) and transfer assets or make appropriate arrangements for us to manage the portfolio at your current custodian. We do not take custody of your assets, we only need trading authority.
Evaluate Existing Portfolio
Evaluate your existing portfolio and determine the most efficient way of re-allocating assets as necessary.
Implement Investment Strategy
Implement the investment strategy including a customized portfolio based on your specific circumstances and IPS.
Ongoing Communication
Maintain a dialogue and communicate with you (or your group) on an ongoing basis.
Performance Reporting
Provide timely reports on the performance of your portfolio along with our overall market review.
Monitor & Adjust Strategy
Monitor results and periodically review your specific strategy and performance with you and adjust as needed to changing circumstances.
Fiduciary Commitment
Act on your behalf as fiduciary with integrity and respect for your concerns and privacy.