Milestone! Incredible 10-Year Audited Performance!
What an “Audited” Track Record Really Means
A Decade of Results Across Market Cycles
What the Q4 2025 Factsheets Reveal
Heirloom Balanced Strategy
Heirloom Growth Strategy
Heirloom Aggressive Growth Strategy
Heirloom Equity Only Strategy
Why Risk-Adjusted Metrics Matter
The Bigger Picture: Transparency and Process
Bottom Line
Audited Results, Real Transparency: What Our 10-Year Track Record and Q4 2025 Factsheets Show
When it comes to evaluating an investment strategy, long-term results — not short-term headlines — tell the most meaningful story. In our latest YouTube video, we walk through our audited 10-year performance track record alongside our newly released Q4 2025 factsheets, offering a clear, data-driven look at how our strategies have performed across market cycles.
In this post, we’ll break down what that track record represents, what the Q4 2025 factsheets highlight, and why independent verification and risk-adjusted performance matter just as much as headline returns.
An audited performance record goes beyond self-reported results. Our composite performance has been reviewed by The Spaulding Group, an independent third-party verification firm, ensuring that what you see reflects actual client portfolios, net of all investment expenses and advisory fees.
This matters because it creates a level playing field — allowing investors to compare results with confidence and transparency. Rather than relying on model portfolios or hypothetical backtests, our data reflects real-world implementation through varying market environments, including periods of strong growth and meaningful drawdowns.
From 2016 through the end of 2025, markets experienced a wide range of conditions — global growth, sharp volatility, inflationary pressures, and policy shifts. Our strategies were designed to navigate these environments with a focus on both return potential and downside management.
Across our four core strategies — Balanced, Growth, Aggressive Growth, and Equity Only — performance rankings within Morningstar peer categories consistently placed us near the top for long-term results. Highlights from the ten-year comparison include:
Top 5 overall returnsin each respective Morningstar category.
#1 Sortino Ratio across all strategies, reflecting strong return per unit of downside risk.
Top 2 Alpha rankings, signaling consistent value added beyond benchmark expectations.
These metrics help paint a fuller picture of performance — not just how much was earned, but how effectively risk was managed along the way.
The Q4 2025 factsheets provide a snapshot of how each strategy is positioned today, both in terms of performance and portfolio construction.
Designed for investors seeking steady growth with risk awareness, this strategy blends equities, bonds, and alternatives. As of year-end, it showed solid year-to-date and multi-year performance relative to its global moderately conservative peer group, while maintaining strong downside metrics such as a competitive Sortino and Sharpe ratio.
With a higher equity allocation, this strategy aims for long-term appreciation while still incorporating diversifying assets. Over the past decade, it ranked near the top of its Morningstar category, pairing strong returns with disciplined volatility management.
Built for investors comfortable with greater market swings, this approach emphasizes equities and growth-oriented positioning. The Q4 factsheet highlights robust long-term performance and strong relative rankings within the global moderately aggressive category.
Focused entirely on equities, this strategy targets capital appreciation over full market cycles. Over the ten-year period, it delivered top-tier category returns while still maintaining leading downside-risk metrics — a rare combination in a fully invested equity portfolio.
Each factsheet also details portfolio holdings, regional and asset class allocation, and performance relative to peer groups and benchmarks — giving investors a transparent view of both results and structure.
Returns alone don’t tell the whole story. Metrics likeSortino Ratio, Alpha, and Drawdownhelp explainhowthose returns were achieved.
Sortino Ratiofocuses on downside volatility — measuring how much return is generated per unit of “bad” risk.
Alphareflects the value added through active management beyond what would be expected based on market exposure alone.
Drawdownillustrates how portfolios have historically handled market declines, offering insight into potential investor experience during turbulent periods.
Together, these metrics help investors move beyond surface-level performance and understand the quality and consistency of results over time.
The goal of our 10-year audited track record and Q4 2025 factsheets isn’t just to highlight performance — it’s to provide clarity. By pairing independent verification with detailed portfolio data, we aim to give clients and prospective investors a complete, honest view of how our strategies are built and how they’ve performed through real-world conditions.
Our latest YouTube video walks through these materials step-by-step, offering context behind the numbers and explaining how we think about risk, opportunity, and long-term planning.
Strong long-term investing isn’t about chasing short-term trends — it’s about building strategies that can endure across full market cycles. Our audited 10-year track record and Q4 2025 factsheets reflect a consistent focus on performance, transparency, and disciplined risk management.
If you haven’t yet, we encourage you to watch the full video and explore the factsheets to see how these principles translate into real-world results — and how they may fit into your broader financial plan. And as always, it’s important to remember thatpast performance does not guarantee future results, and all investments involve risk, including the potential loss of principal.
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