What Are Our Core Beliefs and Philosophies?

We believe money is the means, not the goal. While money can assist the achievement of goals, often there are other ways to achieve these goals which may have little to do with personal finance and which are instead related to astute lifestyle choices.

At our firm, we do not believe in the concept of "hot" stocks or in seeking short-term returns from any investment. Nor do we believe in attempting to "time" the market, which usually means moving investments out of the markets when a manager thinks they are going to go down, and/or moving back in when a manager thinks the markets are going to move up.

We also believe if your time horizon is greater than three years, you should accept some of the volatility risks of the stock market. For financial needs fewer than three years in the future, we believe you should invest in ways which do not accept this risk.

We believe much of the "financial advice" people receive comes in the form of advertisements, which suggest in powerful images, that happiness and/or fulfillment can be achieved by the purchase of this or that advertised item. Our purpose is to help people recognize their individual view of happiness and/or fulfillment, so they can determine which personal expenditures further their progress toward their desired goals.

Finally, we believe in the value of synergy--of the team approach to financial planning. Effective communication and exchange of data and ideas between all related advisors is essential to creating an exceptional plan for you. That means that we expect to routinely share your financial information, as needed, with our professionals on staff. (We will NOT share your financial information with outside persons unless and until we receive direction from you to do so.)

Our role is to provide financial leadership. It is said that a good leader takes people where they want to be, while a GREAT leader takes people where they ought to be.