What we believe
What we do for our clients is driven by what we believe.
We believe in the value of advice
"Direction for the journey" is not just a tagline. It reflects our conviction that clear-eyed analysis and objective advice form the foundation of our client relationships. Our planning is rooted in the mathematics of your goals, not in product sales. Would you contact a master carpenter just to buy a hammer? Of course you wouldn't. While you expect the master carpenter to have good tools, you hire him for his craftsman's skills; you are more interested in the results he produces than in the tools used to produce them.
Likewise, implementing our advice may involve the purchase or sale of securities, insurance, or other products that are the tools of our trade; but the tools have value only insofar as they effectively serve the financial plan. We are therefore committed to working with clients who value our guidance, rather than those who are merely seeking a retail outlet for financial products.
We believe planning benefits everyone
Independent financial advisors have been focusing more and more on providing wealth management services to high net worth clients, often to the exclusion of those who are not ultra-affluent. While we certainly enjoy handling the complexities of financial planning for high net worth clients, we believe that financial planning has the greatest potential impact on the middle to upper-middle class people who are being ignored by the so-called high-end practices. We are therefore committed to providing fairly priced service for those who need it most. You can click on How we work for more details.
We believe in time, not timing
While an investor could theoretically achieve the highest returns by perfectly timing entries and exits to and from the securities markets, we don't believe this perfection is achievable in real life. The best results will come from a sound investment plan executed with faith, patience, and discipline. These attributes have nothing to do with the adrenaline rush of day trading, or with the statistical complexities of market timing schemes. We are therefore positioned to work best with investors rather than with speculators.
We believe some things never change
Technology is constantly changing. The tax code gets updated seemingly every year. New investment products and strategies are created, along with new variations of older ones. We are committed to keeping up with these changes. But underlying all the shifting sands of technology, taxes, and financial tools are bedrock principles that never change. From setting goals, to managing your cash flow, to choosing an asset allocation - the best financial plans are principled ones. You can visit Mammon: the book for more details, and also follow our running commentary in Planner's Pulpit to learn more about these principles.
What we do for our clients is driven by what we believe.
We believe in the value of advice
"Direction for the journey" is not just a tagline. It reflects our conviction that clear-eyed analysis and objective advice form the foundation of our client relationships. Our planning is rooted in the mathematics of your goals, not in product sales. Would you contact a master carpenter just to buy a hammer? Of course you wouldn't. While you expect the master carpenter to have good tools, you hire him for his craftsman's skills; you are more interested in the results he produces than in the tools used to produce them.
Likewise, implementing our advice may involve the purchase or sale of securities, insurance, or other products that are the tools of our trade; but the tools have value only insofar as they effectively serve the financial plan. We are therefore committed to working with clients who value our guidance, rather than those who are merely seeking a retail outlet for financial products.
We believe planning benefits everyone
Independent financial advisors have been focusing more and more on providing wealth management services to high net worth clients, often to the exclusion of those who are not ultra-affluent. While we certainly enjoy handling the complexities of financial planning for high net worth clients, we believe that financial planning has the greatest potential impact on the middle to upper-middle class people who are being ignored by the so-called high-end practices. We are therefore committed to providing fairly priced service for those who need it most. You can click on How we work for more details.
We believe in time, not timing
While an investor could theoretically achieve the highest returns by perfectly timing entries and exits to and from the securities markets, we don't believe this perfection is achievable in real life. The best results will come from a sound investment plan executed with faith, patience, and discipline. These attributes have nothing to do with the adrenaline rush of day trading, or with the statistical complexities of market timing schemes. We are therefore positioned to work best with investors rather than with speculators.
We believe some things never change
Technology is constantly changing. The tax code gets updated seemingly every year. New investment products and strategies are created, along with new variations of older ones. We are committed to keeping up with these changes. But underlying all the shifting sands of technology, taxes, and financial tools are bedrock principles that never change. From setting goals, to managing your cash flow, to choosing an asset allocation - the best financial plans are principled ones. You can visit Mammon: the book for more details, and also follow our running commentary in Planner's Pulpit to learn more about these principles.
