Keeping resources aligned with what’s important

A customized financial plan serves as our blueprint for pursuing your goals. Here are the basic steps that outline the process we’ll follow for building your plan.

At our first meeting, we build an understanding of your personal goals, current financial situation, risk tolerance and attitude toward investing. Finally, we offer an in-depth explanation of our capabilities and the services we offer so that you can better understand our practice.
In this phase, our goal is to make sure that your objectives and our vision of how to seek to achieve them are compatible. If not, we work with you to determine if these can be brought into alignment, or whether we might not be the best fit.
We analyze what you’ve shared with us and design your plan. We present our recommendations, answer your questions and outline the steps we need to take to implement your plan.
With your approval, we execute your customized plan. This involves the selection of an overall asset allocation, specific account types, investment products and optional services, and the completion of all paperwork.

Reviewing, managing and adjusting

We review the progress of your plan relative to your objectives and recommend any changes where needed. This is a collaborative process, as your involvement and feedback are a critical part of this phase.

Life changes. Have your goals changed over time? Are there any significant changes or milestones in your life that may cause you to re-prioritize what’s important?
The financial landscape changes over time. Is your portfolio meeting your objectives? Are there opportunities or risks that need to be addressed?
Here is where we determine if any changes to your investments or lifestyle might be necessary to meet your existing or new objectives.

There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Asset allocation and diversification do not guarantee a profit nor protect against loss.

Keeping resources aligned with what’s important

Reviewing, managing and adjusting

Price is what you pay; value is what you get. Whether we’re talking about socks or stocks, I like buying quality merchandise when it is marked down.

While enthusiasm may be necessary for greater accomplishments elsewhere, on Wall Street it almost invariably leads to disaster.

Far more money has been lost by investors preparing for corrections or trying to anticipate corrections than has been lost in corrections themselves.

Be fearful when others are greedy; be greedy when others are fearful.

In investing, what is comfortable is rarely profitable.

The four most dangerous words in investing are: ‘This time it's different.’

If you have trouble imagining a 20% loss in the stock market, you shouldn't be in stocks.

In the short term. the market is a voting machine. In the long term, it is a weighing machine.

You make most of your money in a bear market; you just don’t realize it at the time.

Wall Street people learn nothing and forget everything.

Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.

In this business, if you’re good, you’re right six times out of 10. You are never going to be right nine times out of 10.

Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn’t, pays it.

The most important quality for an investor is temperament and not intellect.

It is better to be roughly right than be precisely wrong.