Independence brings freedom
Our “product” is our guidance and advice, not specific investments. We are neutral and transparent when selecting the solutions necessary to implement your plan.
Wealth is not determined by money
Wealth is determined by love, happiness, and relationships. The number of dollars in your account does not make you more or less than anyone else.
Simplicity
It is our job to explain your money in simple and straight-forward terms, not to impress you with jargon and investment “speak”. You can never ask too many questions.
It takes two to tango
We provide the know-how; you provide direction and guidance.
The media provides exposure, not advice
In this age of information overload, there are an over-whelming number of financial opinions. We help you focus on your specific financial goals by using our experience and knowledge as a filter to cut through the constant noise and chatter.
You are not your neighbor
There is no magic formula that works for everyone. We have the knowledge, experience and tools to help you plan and achieve your goals.
It is a journey,
not a destination
No matter what your stage of life and career, we can help you. As you change and grow, we adjust so your plan continues to fit your needs.
Putting it all together
All the parts of your life are connected. Getting to know you goes beyond your finances. We want to know your values, hopes, and dreams so your success is not purely financial. A life measured only in dollars can never be rich.
Investing, not trading
It is not flashy, but the long term outlook has stood the test of time. We seek to capitalize on this trend through patience and discipline rather than guessing when to zig and when to zag.
Insights & Other Important Communication
Back in 2007 Washington Post Staff Writer Gene Weingarten set up an interesting experiment. He arranged for an accomplished violinist to pay a rare $3.5 million violin in a busy Washington Metro station and recorded the results. Josh Bell typically gets paid $1000 per minute to play but in his 43 minute performance netted contributions of $32.17
While I have always written a quarterly letter, I hope you noticed that you did not receive one after the end of the year. There was so much going on that I wasn't able to get a timely, meaningful letter out. So in this letter I will summarize 2011 as well as look at what the first quarter of 2012 brought our way.
How do you know if your insurance coverage is adequate to protect you if you are sick or hurt and unable to work? Few question the importance of having disability insurance, but just because you have it does not mean you are well protected.
It is not about how much money you make. It is not about how much you spend. But it is all about the relationship between the two! I have worked with clients with astronomically high incomes but they are still destined for financial failure because they spend more than they make. I also work with clients who are not extraordinary income earners but they have net worth in the millions of dollars because their standard of living is far below their income.