Our Core Philosophy
We have a core set of philosophical beliefs that govern the way we do business. If you are considering using our services (and we hope you are), please review these beliefs. If you feel they are a basis on which we can proceed in a planner/client relationship, please contact us.
1. About risk and stocks: The right time to buy stocks is now (as long as you have the money). The right time to sell them is never (unless you need the money). The great risk is not owning them at all. This is based on the history of stocks from 1932 (Dow Jones low of 40) to late 2002 (Dow near 8500). This period of time has seen the great depression, World War II, the Korean War, the Vietnam War, the Grenada and Balkan Islands conflicts, the cold war, nuclear weapon proliferation, famine, terrorism on a world wide scale, ethnic cleansing, and the list could go on. We have survived.
2. We believe that most problems can be worked out by following the teachings based on this statement: "Do unto others as you would have them do to you".
3. We believe that many people work in jobs they don't like. We believe financial independence is a gift and that gift should be recognized and taken advantage of as soon as possible. We believe one should realize what financial independence is, when it is a reality, and take advantage of it as soon as possible.
4. We believe the enemy of success in investing is fear, not ignorance. Our job is to help you have faith in history and in the future, and to avoid panic in your investment decisions.
5. We must deserve you as a client and you must deserve us as financial planners. We must both have a nature that strives for excellence. We must believe that money is merely a tool to be used to achieve higher purposes (you define those purposes for yourself). We must both take on the desire to achieve the goals we deem important in life. Those goals may be (and should be) multigenerational. Our decisions today can positively affect many future generations.
6. We believe you may meet financial planners who are 'smarter' than we are. We know you will not meet financial planners who are more deeply committed to your family's financial success.
7. We believe most people invest by looking into the rear-view mirror. That's why, between the years 1992 and 1996, when the value of shares in mutual funds rose by an average 15%, the average investor saw the value of his/her investment increase an average of 10%. Investors tend to look at how a fund did last year, buy it when it is at a peak, and then sell it next year to purchase a different fund that did great that year. DO NOT DO THIS.
The comprehensive financial plan we create for you is both a picture of where you are now, and a map to what you want in the future. Together we are a team devoted to following that map and achieving you goals in the future. We are here to answer questions, manage your assets, bring important matters to your attention, monitor the progress of your plan including necessary adjustments, adapt you plan to changes in your life and the world around you, integrate your new and changing life goals, and listen to you and encourage you to 'follow the course' when times are tough. And believe it, times will occasionally be tough.
Nothing on this web site shall be construed as a solicitation of business in any state in which we are not registered. No business will be conducted with any individual in a state unless we are registered or exempted from registering. While reasonable care and caution has been used in preparing information contained on this website, it is not applicable to all circumstances. We assume no responsibility on how this information is used or consequences thereof. You should always consult a qualified professional before taking action. Also note that in investing, past performance is no guarantee of future results.
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