THE SHORT VERSION
Six principles behind our investment approach
We own the whole market, not a handful of guesses.
A spending reserve may help reduce the need to sell growth investments during market declines.
Tax considerations incorporated into investment planning, with coordination among professionals when appropriate.
Low-cost funds built on Nobel Prize-winning research.
A steady voice when markets get scary, not a sales pitch.
Fee-only fiduciary. We’re paid the same no matter what we recommend.
01 · THE ENDEAVOR STANDARD
Our job is to help you own your fair share of the world’s growth, and to protect your plan from the stuff that quietly wrecks it: high fees, sloppy taxes, big bets, and panic.
That’s it. That’s the whole philosophy in one sentence. Everything on this page is just us showing our work, so you know exactly how your money is invested and why.
Evidence over emotion
We follow decades of research, not headlines, hunches, or whatever’s trending this week.
Purpose before product
Your goals shape the plan. The plan shapes the portfolio. Funds are just tools.
Taxes are part of the return
What you keep matters more than what you make. Tax planning is baked in, not bolted on.
Discipline when it’s hard
Anyone can invest in a good year. We build plans that hold up in the bad ones.
02 · THE PREMISE
Nobody can predict the market. Including us.
Wars, recessions, pandemics, elections, interest rates, a tweet at 2 a.m. Markets move for reasons that only look obvious after the fact. Plenty of people on TV will tell you what happens next. Their track record is not great.
So we start from a place of humility. We don’t pretend to see the future. Instead, we combine what we know about you (your goals, your timeline, how you sleep at night) with what decades of data tell us about how markets actually behave.
That’s a less exciting story than “we found the next big thing.” It’s also a much better way to retire.
THE CRYSTAL BALL METHOD
THE ENDEAVOR WAY
The goal
Beat the market by picking winners
Seek broad market exposure through a diversified, research-informed approach
What drives decisions
Forecasts, headlines, gut feel
Your plan, and what the evidence supports
How often it trades
Constantly, to look busy
Only when your plan or allocation calls for it
Costs
High fund fees, trading costs, commissions
Low-cost funds and zero commissions
Taxes
An afterthought, discovered in April
Planned all year by our in-house tax team
When markets drop
React, reshuffle, hope
Spend from reserves, rebalance, harvest losses, stay the course
03 • THE ENDEAVOR DIFFERENCE
Guided by Financial Science,
Not Speculation.
Endeavor’s investment approach is grounded in financial research, disciplined implementation, broad diversification, and a focus on the factors investors can control.
WHY THIS MATTERS
Implementing great ideas in finance.
Our investment philosophy is built around applying financial research with discipline, broad diversification, thoughtful implementation, and a focus on the things investors can actually control.
ENDEAVOR
0%
Equity and fixed income funds from Dimensional that outperformed benchmarks for over 20 years.
THE INDUSTRY
0%
Equity and fixed income funds that outperformed benchmarks over 20 years.
Past performance is no guarantee of future results.
04 · THE SCIENCE
Built on Nobel Prize-winning research, explained like a normal person.
A culture of academic curiosity has been part of Endeavor since day one. Here are the three big ideas that do most of the heavy lifting in your portfolio.
01
Markets are smart. Work with them.
Prices already reflect what millions of investors know and expect. Trying to outguess all of them, consistently, is a losing game. So we stop playing it and own the market instead.
02
Diversification is the closest thing to a free lunch.
Owning companies across markets and sectors can reduce concentration risk, although diversification does not eliminate the risk of loss.
03
You get paid for the right risks.
Research points to a few dimensions linked to higher expected returns over time, like smaller companies, lower relative prices, and higher profitability. We lean into them thoughtfully, never with all-or-nothing bets.
Merton Miller
Nobel laureate, 1990
Pioneering work in the theory of financial economics.
Robert Merton
Nobel laureate, 1997
Helped develop a new method to determine the value of derivatives.
Myron Scholes
Nobel laureate, 1997
Recognized for work on methods used to value derivatives.
Eugene Fama
Nobel laureate, 2013
Recognized for empirical analysis of asset prices.
05 · THE FOUNDATION
Every dollar you invest has one of two jobs.
Some dollars are there to grow for the long haul. Others are there to pay your bills, no matter what the market is doing. Getting that split right is the single most important decision in your portfolio.
YOUR PORTFOLIO
TRY IT WITH YOUR NUMBERS
Hypothetical illustration only
$12,500
$4,250
Social Security, pensions, rental income, annuities$3,400,000
4 years
Your portfolio needs to cover$8,250a month
Suggested Paycheck Reserve$396,000$8,250 × 12 months × 4 years
Reserve 12% of portfolioGrowth $3,004,000
If the market drops, you’d have about 4 years of paychecks ready to go before ever needing to sell a single stock.This calculator is a simplified, hypothetical illustration for educational purposes and isn’t a recommendation. Your actual reserve depends on your full plan, taxes, account types, and goals.
06 · WHAT YOU’LL OWN
A look under the hood.
The philosophy sounds good on paper. Here’s what it actually looks like in your accounts, and what it doesn’t.
WHAT WE’LL LIKELY OWN
Own the whole market, not a hunch.
Your portfolio is built from broad, low-cost building blocks, so your results rest on thousands of businesses rather than a handful of bets.
1
Thousands of companies across the U.S. and around the world.
2
Large, mid, and small companies in developed and emerging markets.
3
Low-cost, broadly diversified funds from Dimensional, Vanguard, and similar providers.
4
High-quality, short-term bonds sized to your spending in the Paycheck Reserve.
WHAT WE STEER CLEAR OF
Leaving out what costs you most.
Some of the biggest drags on long-term returns come from what gets added to a portfolio. These stay out of yours.
1
Stock picking and market timing.
2
Last year’s top-performing fund.
3
Speculation dressed up as investing: hot IPOs, trendy themes, gold rushes.
4
High-fee, tax-inefficient active funds.
5
Products that pay an advisor a commission. We don’t take any.
WHAT CHANGES, AND WHAT DOESN’T
Moves driven by your life, not the news.
As markets move, your mix drifts. We adjust with clear rules and real reasons, never for the sake of looking busy.
1
We rebalance when your mix drifts past set limits, not because of a headline.
2
When your life changes (retirement, an inheritance, selling a business, a new goal), your portfolio may change too.
3
Activity for its own sake? Never.
07 · TAX-SMART BY DESIGN
It’s not what you make.
It’s what you keep.
Most advisors hand your tax questions off to someone else and hope it works out. We don’t, because our tax team is part of the family.
That means every investment decision gets looked at through a tax lens first, by people who actually prepare tax returns.
PLAN & INVEST
Financial planning and investment management
PLAN & PREPARE TAXES
Tax planning and preparation
PROTECT & PASS ON
Estate planning, so your wealth goes where you want it to
Six strategies, matched to where you are
08 · WHEN MARKETS FALL
We can’t control the market. Here’s what we can control.
Costs
Taxes
Diversification
Behavior
Our downturn playbook
1
Before
Your Paycheck Reserve is funded
Your plan already assumes downturns will happen
You know exactly what we’ll do, ahead of time
2
During
Your paychecks come from the reserve, not from selling stocks low
We rebalance and harvest losses when it makes sense
We aim to communicate proactively when markets are unsettled
3
After
As markets recover, we refill the reserve from growth
We use the tax losses we banked
Your plan keeps going, and so does your life
What we won’t do: tell you to sell everything, go quiet on you, or overhaul your plan because of a scary headline.
09 · OUR PROMISE
Life first. Plan second. Portfolio third.
For too long, financial advice has been driven by commissions, products, and predictions. We built Endeavor to work differently.
01
Your life
What do you want your money to do for you? We start there, always.
02
Your plan
Income, taxes, Social Security, estate, and risk, all working together.
03
Your portfolio
The tool that carries out the plan. Never the other way around.
Fiduciary, always
We’re legally required to put your interests first. We’d do it anyway.
Fee-only
No commissions, no kickbacks. We’re paid the same however we invest your money.
Independent
No in-house funds to push. We judge every tool by one question: does it help you?
Your money, your name
Assets are held at independent custodians: Charles Schwab, Vanguard, or Altruist.
“I got into this business because of 2008. I watched what fear and bad advice did to families like mine. This philosophy is my answer to that: a plan you understand, a portfolio built for the bad years, and someone in your corner who tells you the truth.”
Charles Luong · President & Founder
10 • INVESTMENT FAQ
Questions we hear a lot
Will you try to beat the market?
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I own a stock I really love. Do I have to sell it?
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Do you invest in crypto, gold, or the latest hot IPO?
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How often do you rebalance?
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Where is my money actually held?
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How do you get paid?
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What happens to my portfolio when I retire?
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LET’S GET STARTED
Curious what this looks like for your money?
Start with a Clear Retirement Review. We'll look at your current portfolio, fees, and taxes, and show you exactly how we'd approach it. No pressure, no jargon.
Clear financial guidance for people who want to make thoughtful decisions about retirement, investing, taxes, and the life they’re building.
Phoenix
2801 E Camelback Rd, Suite 202, Phoenix, AZ 85016
Chandler
25 S Arizona Pl, 5th Floor, Chandler, AZ 85225
Torrance
3655 Torrance Blvd, 3rd Floor, Torrance, CA 90503
AWARD DISCLOSURES
Wealthtender awarded Endeavor Advisors with its 2025 Voice of the Client Highly Rated Firm Award on 11/05/25. Rating criteria based on eligible client reviews published on Wealthtender between 1/1/24 and 11/05/25. Although Endeavor Advisors compensates Wealthtender for marketing services (including eligibility to be considered for this award, plus a fee if it chooses to license the award logo for promotional use), Wealthtender’s award criteria is objective and not influenced by compensation. This award is not a guarantee of future performance or success and client reviews may not be representative of the experience of all past or future clients.
Endeavor Advisors LLC is affiliated with Endeavor Tax Partners, Endeavor Estate Partners, and Endeavor Planning Group, which provide tax, estate planning, and insurance services, respectively. These services are separate from Endeavor Advisors' investment advisory services and are subject to separate fees and agreements.
Endeavor Advisors may recommend services offered by these affiliated companies when appropriate for a client's needs. These relationships create potential conflicts of interest due to shared business interests. Clients are not required to use affiliated companies and may choose independent providers.
Additional information about our services, fees, and conflicts of interest is available in our Form ADV Part 2A.
Testimonials were provided by current clients of Endeavor Advisors. The clients were not compensated, and no material conflicts of interest exist that would impact any of these testimonials. Client testimonials are not representative of the experiences of all Endeavor Advisors clients and do not provide guarantee of future performance or similar services. Check the background of your financial professional on FINRA’s BrokerCheck. There are no warranties implied.
Endeavor Advisors LLC is affiliated with Endeavor Tax Partners, Endeavor Estate Partners, and Endeavor Planning Group, which provide tax, estate planning, and insurance services, respectively. These services are separate from Endeavor Advisors' investment advisory services and are subject to separate fees and agreements.
Endeavor Advisors may recommend services offered by these affiliated companies when appropriate for a client's needs. These relationships create potential conflicts of interest due to shared business interests. Clients are not required to use affiliated companies and may choose independent providers.
Additional information about our services, fees, and conflicts of interest is available in our Form ADV Part 2A.
Testimonials were provided by current clients of Endeavor Advisors. The clients were not compensated, and no material conflicts of interest exist that would impact any of these testimonials. Client testimonials are not representative of the experiences of all Endeavor Advisors clients and do not provide guarantee of future performance or similar services. Check the background of your financial professional on FINRA’s BrokerCheck. There are no warranties implied.
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