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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. 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. 

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.

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.

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. 

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.

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.

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.

Blog Posts
 

What Goes Up, Must Come Down? Not Necessarily.

I’m an early riser and I like to go to the gym before my family stirs from their beds.

Recently, as I drove home afterward a workout, I began to think about the business day ahead. I had tuned in to the financial news on satellite radio when I heard an advertisement.

 

The ad simply asked, “ Do you think the stock markets can continue to go up forever ?” The advertisement was designed to make you believe that at some point the markets had to go down; but as I heard it, I kept thinking they were wrong.

 

Not only can the stock markets continue to grow indefinitely , but they need to. Of course, in the short-term it is anybody’s guess. No one knows what is going to happen today. No one knows what’s going to happen over the next couple weeks or even months. But given a long enough timeframe we have to believe that the stock market will grow.

 

 

It’s simple economics. It would be catastrophic if we don’t have inflation in the economy. In the absence of inflation, there is no incentive for anyone to make any financial moves today. In the worst case, where there is negative inflation (deflation), there’s actually an incentive to postpone buying new goods and services which is devastating to the financial health of the economy. Just ask Japan.

 

Today the stock market is reaching new highs, but readers of our quarterly free economic updates know that we continually to look at the ratios and other valuation factors. We do not believe today’s stock markets are overpriced, nor are today’s markets undervalued. We believe that the stock markets are currently fairly priced.

 

Do I believe that the stock market in the long-term will increase forever? Yes I do, and I believe you should too.