To Top
Login to DV Client Portal
Login to Schwab Alliance
Send secure files to Art Dinkin
Send secure files to Ihla Oertwig

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. When 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.

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. 

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.

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.

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. 

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.

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.

It takes two to tango

We provide the know-how; you provide direction and guidance. 

Blog Posts
Back
Back
 
14
Jun 2012
By Art Dinkin

Marble, Golf Ball, Baseball, or Beach Ball?

Which would you rather carry around in your pocket; a marble, golf ball, baseball, or beach ball?

Put a marble in your pocket and you may never feel it. Occasionally, when you reach into your pocket for change, you will see it and remember it is there but most of the time it will be out of sight and out of mind.

A golf ball is a bit bigger. Put it in your pocket and you will feel it at first. But soon you will become accustomed to it and you will be able to walk around normally. Of course it is pretty hard to ignore when you reach your hand into your pocket.

You can't ignore a baseball in your pocket. It will fit by itself, but you probably could not put anything else in your pocket. You will also notice it every time you stand, sit, or take a step. It may not be a hindrance but it certainly isn't comfortable.

The beach ball simply won't fit into your pocket, no matter how hard you try to stuff it in.

Saving for retirement can be analogous to what you carry in your pocket.

Start early enough and you just need to carry around the marble. A small consistent investment into your retirement plan, given enough time, should be enough to comfortably reach your retirement goals. Occasionally you will notice the deduction from your pay stub or bank account, but the contributions should be small enough that it is not making an impact on your lifestyle.

If you are slow to start retirement saving you can make up for your lost time by making bigger contributions. It would be similar to carrying a golf ball in your pocket. At first you will definitely feel the effect on your lifestyle but it won't take long for you to adjust. When you look at your budget it would be hard to ignore your retirement contribution, but it should not feel painful.

Some people end up waiting until it is almost too late. Having less time to save means they need to contribute more. Like putting a baseball in their pocket, it will still fit in the budget but it probably also prevents them from adding other expenses (or toys) they may want. The amount they have to save is large enough that it is difficult to overlook and is never far from their mind.

If you wait too long, you simply cannot catch up. Your retirement plans will need to change.

The sooner you start, the more comfortable your retirement savings. Don't delay; start today.

Photo credits: Marbles… by kevinjay; golf ball, at Ruth Lake Country Club by WebWideJosh; Baseball by acordova; model with beach ball by planetc1

Recent Posts