Milestone! Incredible 10-Year Audited Performance!

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.

What an “Audited” Track Record Really Means

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.

A Decade of Results Across Market Cycles

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 returns in 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.

What the Q4 2025 Factsheets Reveal

The Q4 2025 factsheets provide a snapshot of how each strategy is positioned today, both in terms of performance and portfolio construction.

Heirloom Balanced Strategy

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.

Heirloom Growth Strategy

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.

Heirloom Aggressive Growth Strategy

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.

Heirloom Equity Only Strategy

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.

Why Risk-Adjusted Metrics Matter

Returns alone don’t tell the whole story. Metrics like Sortino Ratio, Alpha, and Drawdown help explain how those returns were achieved.

• Sortino Ratio focuses on downside volatility — measuring how much return is generated per unit of “bad” risk.

• Alpha reflects the value added through active management beyond what would be expected based on market exposure alone.

• Drawdown illustrates 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 Bigger Picture: Transparency and Process

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.

Bottom Line

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 that past performance does not guarantee future results, and all investments involve risk, including the potential loss of principal.