In contrast, the Holos business model has been specifically designed to align our firm with the interests of our clients. Our firm doesn’t have relationships with the companies whose products we use and we don’t answer to a bank or corporation, which may advocate investment products that aren’t optimally suited for our clients’ needs. Our only mandate is to pick the best instruments for our clients’ accounts and we never obscure our pricing – we want you to understand our business model.

In addition, the methodology we use does not require frequent trading – this minimizes transaction costs and allows returns to accrue without forced reallocations that continually shift assets into last quarter’s losers. Further, we utilize the market products in each asset class which minimize costs and benefit our overall investment strategy.

Finally, our business model entails a high-level of account liquidity and total transparency. All customer assets reside in individual managed accounts, which remain within the client’s control, and individuals’ assets are not co-mingling with those of other clients. Clients can see their portfolio online at any time and all funds are invested in securities which can quickly be converted to cash. However, we are not chasing monthly returns and our firm is a good fit for those with an investment horizon of at least five to seven years.

our resources

In addition to the capital markets experience of Holos’s partners (discussed on the ‘our team’ page), our firm leverages outside expertise. These resources include the insights of our advisors and board members – a group which includes elite finance faculty and other successful finance professionals. We also make use of the cutting-edge research done by third party providers; in particular, Unison Advisors.

Founded in 2005, Unison Advisors LLC is an investment management and advisory firm that specializes in valuation-based asset allocation strategies. Unison develops innovative asset allocation strategies through rigorous research of asset class valuation, behavior and effect on portfolio performance. Each Unison asset allocation strategy is a valuation-based asset allocation model that represents a globally diversified portfolio. The strategies seek to deliver superior risk-adjusted returns by favoring asset classes that are attractively priced relative to their fair value. In assessing fair value, the strategies consider macro economic and market variables such as inflation, interest rates, economic growth, and earnings and dividend yields.