“Any intelligent fool can make things bigger, more complex, and more violent. It takes a touch of genius – and a lot of courage – to move in the opposite direction.” – E.F. Schumacher
In-Depth Client Relationships – We build strong, close and trusted relationships with our clients. We help them work towards financial freedom and enjoy their lives, now and in retirement. This is why we limit the number of families we work with.
Focus on Planning – Long-term financial success is nearly impossible without knowing where you are, where you’re going and how you plan to get there. Sure, you could get lucky, but why rely on luck when there is a more certain path. Before we make any recommendations, we help you identify and organize your assets and debt, summarize your current income and expenses (including taxes), define your financial goals and bring everything into a cohesive financial plan. Only then, do we move onto the investments.
Investment Management – Investments can only serve to support your plan, they can never be the plan themselves. We believe your investment experience will be significantly different – in a good way – from what you typically find. Your well thought out plan will lead to very clear guidelines for your investments. We use your guide to manage your investments in an efficient, disciplined manner to put you in the best position to reach your goals.
Ongoing Plan Management – Let’s face it, plans change as life unfolds. With your help, we perform a complete plan update and investment review at least annually (more often if necessary). The goal of this annual review is to both measure the plan’s progress and determine if any changes have occurred in your life that may warrant a change to the plan.
Staying the Course – We recommend a plan that we believe will have a high likelihood of success…if you allow it to unfold as designed. In our experience, the biggest roadblock to a financial plan’s success is our own behavior. Regardless of how well a plan is constructed, how steeped in reality and logical it is, we are all human. Our emotions can and will get in the way, causing us to panic or get greedy at the worse possible time. One of the most valuable roles we serve is to keep you from making those big, emotion driven mistakes that we are all prone to.
Personal CFO – Our service to you doesn’t start or stop with our core services. We are always available to assist with any of your financial questions, decisions or problems, large or small.
Acting In Your Best Interest – It should go without saying that everything we do is always in your best interest. Unfortunately, that is not how some of the financial services industry works. Large segments of our chosen profession are not held to a fiduciary standard, to place your interests first. We have always been, and will always be, a fiduciary. We will always put your interests ahead of our own.