Our Philosophy is simple, but it is unique to our industry:
Avoid unnecessary investment risk and needless sacrifice to one's life.
Control what is controllable.
Measure the uncertainty of that which is uncontrollable.
Fees, cash flows, risk exposure and your choices about your life goals are all controllable. Financial markets are not.
No one knows where the markets are heading, and anyone who suggests otherwise is misleading you.
Our Premises About
Risk
Investors should only take as much risk as is necessary to achieve their financial goals and should not take unnecessary risks simply because higher risks are “tolerable.”
Return
There is only one measure of investment success that matters, and that is investors achieving their most important financial goals.
Monitoring
Past performance already happened, cannot be changed, and isn’t an indication of future results. Therefore, monitoring progress means looking forward to understanding whether goals are likely to be met.
The path your wealth takes is influenced more by your behavior and what you can control than what you cannot control, like market performance.
Your Comfort Zone®
Planning is an on-going process; not a one-time event.
We use our interactive Comfort Zone® to track your comfort score, review your upcoming goals and cash flows and asset ranges. Ongoing, proactive goal adjustments keep you on track regardless of market movement. “Where’s my Dot?” monitoring manages future confidence in achieving life goals while helping you avoid excessive risk or lifestyle sacrifice. This approach transforms the conversations you will have with me to focus more on your life and the things you can control rather than market performance and things that are out of your control.