Before working with Joanne, I managed part of my own investments. While I achieved good returns initially, a market downturn wiped out those gains and reinforced the importance of risk management and maintaining a disciplined investment approach.
When I met Joanne, I naturally paid close attention to fees in addition to fund management details. Joanne helped me look beyond costs and focus on what ultimately matters—net returns after fees. That perspective has changed the way I evaluate investment performance.
Since then, my portfolio has delivered solid, more resilient returns (vs benchmarks) through different market conditions. I’m now comfortably retired and appreciate the disciplined way my portfolio is managed. The distributions I receive are generated from investment returns rather than a drawdown of my original capital, which I believe is an important distinction for long-term investors.
I’ve since recommended Joanne to friends because I encourage them to look beyond headline fees and ask the right question: What are the net returns after fees? In the end, that’s what has the greatest impact on long-term investment outcomes.