Our Philosophy

Our Approach is Safety in a World of Unpredictability
Today, the Financial World is chaotic, confusing and noisy.There is not enough reliable information to make wise decisions. Volume goes up, reason goes down and FEAR drives emotional reactions and poor decision making. Up markets build bad habits – and who has discipline these days?

Cash Flow trumps volatility and prevents bad habits. Our goal is to let our clients be able to feel the confidence of the cash flow generated by their investments rather than the stress of worrying about their daily balances.

We build our portfolios with broad diversification among all major asset classes.

Entering and exiting the market based on trends and fear is created by the media and is not a wise investment strategy. When we put a plan in place, we make sure you understand the upside and the downside and review our strategy annually. Daily values are meaningless unless you have a clear and defined strategy.

Did you know there are Mutual Funds that have expenses as high as 7-8%?
Whenever possible, we utilize passive, low-cost ETF’s and Mutual Funds often with expenses lower than 0.5%.

Whether its needed for peace of mind or guaranteed income it is truly necessary to meet your objectives. So we can utilize life insurance products to provide consistent income in retirement.

We don’t speculate or provide generalized advice. We take the time to understand your family’s needs, no matter how simple or complex and prepare individualized recommendations.

Our strategies are focused on your personal goals with an understanding of your fears and aspirations, not a return number we compare to our peers. Our focus is not beating the S&P 500! The S&P 500 is not our client, you are!