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Fiduciary

We provide the highest level of care and accountability. Everything we do must be in your best interest.

Complete Transparency

No magic tricks or distractions. Everything we do is transparent. Log into our online system to see your accounts any time, from any device, no matter where you may be.

Experienced

We have been serving client needs for over 30 years which means we probably have experience in situations like yours.

Local & Available

We are not a large institution. We are your neighbors who happen to offer financial expertise. When you call, we answer. We you need someone, we are here.

Different People. Unique Needs

Some people need help accumulating and growing wealth. Others need assistance with the responsibilities wealth creates. No matter your money issues, we will help you find the solutions which best fit

Retire Confident

Retirement is a once-in-a-lifetime experience, but we have helped people retire comfortably and confidently for over 30 years. We can help you too.

Get Comfortable

We provide a safe and relaxed environment where you can be comfortable with your money.

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.

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. 

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. 

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.

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.

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.

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.

Blog Posts
 

An open letter about COVID-19 and your money

I am not a doctor. I have no advanced degrees in epidemiology or public health. That is not my area of expertise. Like you, I am trying to process the constantly changing information as it becomes available and make sound decisions for myself and my family.

I am a financial planner; my expertise is money. I earned my Certified Financial PlannerTM designation nearly twenty years ago after starting my financial career in 1989. In my professional career I have worked through –

  • The recession in the early 1990’s caused by the fallout from the Savings & Loan crisis and the decrease in government spending after the Cold War;
  • The “new normal” of the dot-com era which proceeded the dot-bomb and recession in 2001;
  • The Great Recession of 2008; and now
  • The current 2020 bear market whose economic impact still unknown.

During my career we have seen SARS, H1N1, Ebola, and Zika outbreaks. Unfortunately, we must now add COVID-19 to the list.

We have been told to practice social distancing, and it seems as if everything around us is shutting down. Over the last few days, we have seen toilet paper go from a common household item to a rare and sought-after commodity. The same panic which has sent TP flying off the shelves at retailers is also causing mass selling of financial products in the markets; when there are more sellers than buyers prices plummet.

From more than 3 decades of experience I can freely share the most important financial advice you need to hear right now: Relax. Don’t Panic. Over time, the financial markets are extremely resilient. Be patient. You don’t need 300 rolls of toilet paper and you don’t need to sell into a panic.

If you go “all cash” there will not be a clear indicator when we have reached bottom and you should get back in. The bottom only becomes clear when you view it from the rear-view mirror. There are so many unknowns that everything is very unpredictable. The Dow rallied nearly 2000 points in an hour as the markets came to close last Friday. Was there a clear indicator that was about to happen? Of course not.

On Friday morning we posted on Facebook that in the past 20 years, 6 of the 10 best days happened within two weeks of the 10 worst days. Investors who missed the 10 best days of the past 20 years missed out on more than 3.5% average annual return per year. We had no idea Friday would turn out to be the single largest point gain in history, just as we have no idea what tomorrow will bring.

This time it is no different. We need to focus, as a society, on what we can do to contain this virus. Wash your hands often, stay home and distance yourself from others, be kind and patient with those you do interact with; we are all in the same boat of uncertainty. Focus on doing what you can do to help and try not to worry about the things you have no control over. Eventually, life will return to normal. The sun will rise tomorrow, and eventually the stock markets will recover. This too shall pass.

If you have money on the sidelines, consider investing half of it now and then waiting a month. If, during that month, the markets go up you can take your money back out and enjoy the profits. If the market continues to decline, you can invest half of your remaining reserve and repeat the process again a month later.

If you have questions or just want to talk to someone, we are here. You can email me or give us a call at 515-255-3354. We will do our best to make sure you ACT in accordance with your long-term financial plan, instead of REACT in a way which may cause more harm than good.