Our Philosophy

What is Investment Behaviour Consulting?

We firmly believe market timing can’t be done consistently and that performance is determined by investor behaviour, not product selection. We incorporate this behavioural investment strategy into our unique Financial Peace of Mind Program and comprehensive financial planning process.

Our clients are willing to pay and advisory expense to The Delfino Group because they believe one or more of the following statements:

  • I believe The Delfino Group will increase the long-term return in my portfolio by more than if I managed my own money.
  • The Delfino Group can save me money by avoiding errors commonly made when managing one’s own portfolio.
  • I will save time, energy and money when it comes to record-keeping, tax planning and income creation by hiring The Delfino Group.

Typical Investor Behaviour

Typical Investor Behaviour

Financial Peace of Mind Program

Financial Peace of Mind Program


Individuals who cannot master their emotions are ill-suited to profit from the investment process.
Benjamin Graham, The Intelligent Investor


Regardless of the situation, without the ability to prudently manage the volatility of the financial markets, an investor can face a sizeable “investor behaviour penalty” as seen in the chart below:

Avg Stock Fund Return vs Avg Stock Fund Investor Return


The above sketch was inspired by Carl Richards and his invaluable work, Behaviour Gap. Click here for further information.