Our Financial Philosophy
We believe that true “Wealth” is so much more than just money; that money is simply a “tool” that we use to do the things that are important to us in life, and that money is but one currency that has “value” in our lives.
To enjoy these key areas, we need the most valuable commodity of all – Time.
What I believe gives our lives “Meaning & Purpose”, what brings us happiness and a true sense of fulfillment in life comes from finding a balance in these key areas:
- Our spiritual wellbeing and our Faith
- Family & Friends
- Our Health
- Our Career and Personal Development
- Giving back to others (or Philanthropy)
- Financial Security
As your financial guide, we strive to help you confirm your core values, clarify your vision, and map out a plan for your financial future so you can focus your time and energy on those areas that give your life true meaning and purpose.
From an investment and portfolio standpoint, we strive to build and maintain portfolios that yield the greatest level of expected return for the given level of risk through careful research and analysis of the available options in the market place. We believe in a “Core / Satellite” approach, where the core is built around a systematic, diversified blend
of several U.S. & global market indices to give broad market exposure to both equities (stocks) and fixed income (bonds). We then layer in several different, more actively managed, “Satellite” strategies to help provide the potential for more growth (or income, if needed), as well as some “non-correlating” assets to help minimize overall risk and “smooth out” the volatility in your portfolio. We believe the combination of these 2 components – “Core” & “Satellite” adds a nice blend of broad market exposure with some added “seasoning” to complement one another in a diversified portfolio for our clients.
A diversified portfolio does not assure a profit or protect against loss in a declining market.
Your financial plan is built around your goals and vision. As your life and financial situation change, we continually make adjustments to optimize the outcome.
It’s no use explaining your financial plan if all we use is jargon. Our relationship is about keeping you informed in a conversational way.
You should know what you’re paying your advisor and how those fees apply to your investments. We’ll explain our fee structure so you have confidence you’re receiving the value you deserve.