Better Returns through Research

Come First

We manage portfolios according to Nobel prize-winning research based on efficient market theory.  Even the best active managers do not beat the public markets in the long run; thus, we believe clients deserve to achieve market returns through low-fee index funds and ETFs.

3FI is On
Your Side

We at 3FI are here to serve you.  We don’t sell products so our incentive is only to help you.  Clients’ assets are custodied at Schwab, and only clients can transfer assets out of Schwab.

Embrace a Disciplined Approach

Total Portfolio Advice:
portfolio guidance on changes in personal and/or financial circumstances

Asset Allocation:
thoughtful risk/return tradeoffs and appropriate diversification

Optimal Asset Location:
appropriate assets in taxable and tax-free accounts