What are your goals?College funds? New or second home? Maintaining or increasing your standard of living in the future? How much do you want to travel each year? Do you want a new boat? How often can you afford a new car? Do you have enough life insurance? Will the surviving spouse have enough income?
The Retirement Lifestyle Book and online Goal Wizard helps you identify and manage your goals.
If you stand straight, do not fear a crooked shadow."
~Chinese Proverb
With a financial plan, the straightforward
truth, a little uncommon sense from me and a little patience
from you, you can achieve your financial goals.
As a fiduciary, my intention and obligation is to work in your
best interests all of the time.
My advisory practice is not based even implicitly on the untruth
that we can consistently time the market, make consistently
opportune investment selections; or predict or control timing.
We do not sell quarterly performance.
The
advisor firm who falsely sells performance engages in a system
of progressively disappointed clients. Their practice becomes a
revolving door with new investors coming in the front replacing
old investors as they walk out the back.
By design, I restrict my practice to only a few dozen investors.
This allows me to devote all the time necessary to your needs. I
have a strong and direct financial incentive for you to succeed
so I limit the number of investors to which I serve, which gives
me the time to devote to your needs.
My Value
Proposition
My value proposition is my statement of reality to you that
explains:
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What I do,
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The probable value of what I do, and
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That the value of what I do is worth more than what you pay for it.
Simply: You should get much better real life returns than most other investors because--and I guarantee you this--other investors will not behave appropriately.
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They will proceed without a plan.
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They will speculate at the top of the market.
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They will panic at the bottom of the market.
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They will make the big mistakes.
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They will compound the problems already created by the 2008 stock market.
What is worse, some will outlive their money.
Many who don't will have a dramatic decline in lifestyle.
I don't say that the investments I recommend
will 'outperform' most of your neighbors’ investments. I
certainly don't rule it out; I just can't promise it --
nor can any other advisor -- and importantly it has
almost no connection with what I do for my clients anyway.
I say that, using the principles I practice, my clients should
end up with a far better lifetime return than do most of their
neighbors. Seeing that these are different things, and
why they are different, is the beginning of investment wisdom --
and the beginning of understanding what I do for you.
In fact, I should earn my fees many times over from keeping my
clients from making the common big mistakes that destroy
long-term performance. The extra returns gained from appropriate
investor behavior, combined with efficient asset allocation,
should far exceed expenses.