Our Investment Philosophy

Papa & Kaczor Financial Specialists stays true to our core investment strategy for their wealth management services utilizing a low cost fee based, investment management program that uses institutional asset class mutual funds to build broadly diversified portfolios customized to each client's personal financial goals, risk tolerance and investment time horizon. The program invests in mutual funds managed by Dimensional Fund Advisors. Dimensional's investment strategies focus on low portfolio turnover and efficient trade execution to minimize taxes and trading costs.

Dimensional's investment process is rooted in significant academic research that believes market stock prices are "fair" based on relevant information, and that several factors or dimensions can be used to predict the expected returns of securities.

Portfolios include over 10,000 securities in 40 different countries delivered through well-diversified and cost effective mutual funds. For more information visit www.dfaus.com

We believe that the process employed by Dimensional Fund Advisors has the potential to solid returns over time. We believe that the company's continued focus on investment research will benefit our clients.

We do not research, track or make recommendations related to individual traded stocks.

Professor Eugene Fama's research was validated as he was awarded the 2013 Nobel Prize for his long term research in Financial Economics. Fama is a founding member of the investment committee and longtime member of the mutual fund board for Dimensional Fund Advisors.

*All investing involves risk, including the possible loss of principal.  There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market.

Investors should consider the investment objectives, risks and charges and expenses of the funds carefully before investing. The prospectus contains this and other information about the funds. Contact John Papa at 370 Crown Oak Centre Drive, Longwood, FL 32750 to obtain a prospectus, which should be read carefully before investing or sending money.