Choosing how to invest the money we save can be a big decision. The approach at Encompass Financial Planning is to focus on a few critical factors based on academic research. It is not based on the most recent fads or trends, but based on long term Nobel Prize-winning research and discipline. We do not invest based on market timing or stock picking. We primarily use funds from Dimensional Fund Advisors and Vanguard, seeking to build globally diversified and cost-effective portfolios that lean toward sources of higher expected returns.