We are not “wealth managers.” We work with normal people, who are serious about planning for their future. Our aim is to organize and simplify your financial life. Making wise financial decisions doesn’t have to be wildly complex. However, it’s a very serious job, which must be done with care. We personify this with our motto: Your Future, Planned with Care.
We do not bring any agenda to our recommendations. Our guidance is based solely on your objectives. Our goal is to help you make financial choices as you would, if your job was financial planning & investment management.
Consistent communication with you, our client, is vital to what we do.
The markets have a way of causing anxiety. We will keep in touch, especially during the rough times, simply so you know that we are focused on you.
Communication is also important so that we know what is happening in your life. Financial planning opportunities can arise at any time. It’s our job to recognize those opportunities.
Lastly, we want you to know that we care, and that you are important to us. Regular communication goes a long way for that.
Proper investing should follow the lead of proper financial planning.
Financial planning is our first step. Many investment management firms begin by attempting to determine your maximum “risk tolerance.” That would be the level of risk that you can handle without falling into a deep state of fear & anxiety every time the markets drop. Once that maximum risk tolerance is determined, investments are chosen to expose you to that maximum level of risk.
This is backwards to us. What if you don’t need all that risk in order to reach your goals?
Through the financial planning process, you will have a road map to reaching your goals. That roadmap then forms the basis for your investment plan. If you are fortunate, the plan will show that you can invest conservatively, and still reach your goals. On the other hand, perhaps you’ll learn that you need growth in order to reach your goals. The point is: You will know what it will take to get you where you want to be. Then we can work together to get you there. That is how financial planning brings you peace of mind.
We see financial planning as vital to doing a great job for you. Therefore, if you are a client, it is a complimentary service.
Our Investment Process
Financial planning provides the road map to your goals; investing is the engine to get you there.
Our investment philosophy seeks the sweet spot between disciplined diversification, limiting risk, and taking advantage of opportunities in the markets. We do not believe in pure buy-and-hold investing. For more on our investment philosophy, and how it differs somewhat from conventional wisdom, please take a few moments to read this article.
Unbiased & independent
As a RIA, or Registered Investment Advisor, we are proud to work as a fiduciary. That means we must put the interests of our clients first – in every instance.
We work hard to minimize any potential conflicts of interest, but should they arise, we will notify each of our clients in writing.
Avoid common investor mistakes
Common investor mistakes are common because they are easy to make.
The human mind seems hard-wired to be terrible at investing. We’ve seen it all: Too much money tied up in savings accounts, emotional selling, too much risk, high-fees, lack of true diversification, no tax strategy, etc…
These little things are not little things. They add up. We can help.