Our Core Beliefs
Your financial advisor, like all your professionals, should add much more value than they charge in fees.
We strive to save you money, save you time, provide you piece of mind (at least financially), and grow your investments for the long term.
Your financial advisor should always serve your best interests ahead of their own.
I manage your finances in the same way I manage my own, my parents, and my siblings. I strive to treat you like family. My advice is unbiased, and I do not sell financial products for commissions. I work to be a good steward of your money, which means to make sure your money is working for you effectively and efficiently to build your wealth.
To take it a step further, I’ll alert you if I think you’re going to make a financial mistake, one that could jeopardize your financial future.
Your privacy is of utmost importance.
Everything we do together is always kept confidential, unless required by law.
We will never sell your information to anyone.
Your retirement should be structured and managed so you never run out of money.
We manage your retirement by Guardrails, which is an active investment approach that dynamically adjusts your withdrawals. For example, you can withdraw more when the markets are up (i.e. above a guardrail), and less should the markets go down (i.e. below a guardrail).
This is a significant improvement on the traditional (and easier) approach of withdrawing a set percentage consistently, usually 4%. This traditional approach does not monitor or make adjustments to the effects of the market on your nest egg.
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Your investments should be managed in a way that is historically proven to outpace inflation AND continues to grow over the long term.
That way we can protect your purchasing power through a hopefully long and enjoyable retirement. And it gives you the ability to protect an estate to pass on to your heirs and/or endow a legacy.
Each and every hard earned dollar you’ve saved dollar should be working hard for you.
And in the most effective and efficient means possible.
We review not only your investments, but also your saving and checking accounts. We’ll make sure the dollars in the saving and checking accounts are making good returns for you.
Investment Compounding is the eighth wonder of the world. And Dollar Cost Averaging is the ninth.
We help you make good use of both to build your wealth.
Effective Tax Management is essential for wealth building.
Tax planning is a cornerstone of our comprehensive wealth management services.
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Over the long term, inflation is your biggest risk.
It is not stock market volatility, which is temporary. The loss of purchasing power due to inflation (i.e. price increases) is the biggest threat to a retirement with no compromise of lifestyle.
Investment management should be based on strategies that have been proven to build wealth effectively over the long term.
We never risk your hard earned savings on unproven and risky investment strategies. We are not gamblers. We are prudent, and effective, wealth managers.
You need adequate insurance coverage to protect your family against the big risks in life.
Insurance planning is another cornerstone of our comprehensive wealth management services.
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It pays to start investing early, and to invest wisely and effectively.
We use our expertise to build wealth for you over the long term. And you need to do it starting now.
We also will help you set up retirement plans for your children. Yes, you heard that right! We'll walk you through the process.