Additional Information

Our Beliefs

• Active diversification among asset classes based on relative valuation increases the probability of success.
• Holistic planning along the entire wealth-planning spectrum increases the financial well being of our clients exponentially.
• Properly researched, selected and monitored active managers can and do add value to investment portfolios.
• While it is true that 75% of active managers under perform the market, skill and sound processes exist to help find the 25% that out perform the market.
• That tax avoidance causes more bad investment decisions than any other cause.
• For most individuals, their emotions overrule logic when it comes to investing.
• Most people have unrealistic ideas of how much it will take to be financially independent.
• Reducing the layers of investment costs will improve investment results.
• Planning should serve the values and purposes of the client, not the tax code.
• Money is a much better tool than a weapon.
• Managing money without planning and discipline is like playing Russian roulette with a fully loaded gun.
• “Boxes” are for other people.  We don’t have to “get outside of the box,” because we have disposed of it altogether.  Alternative investments should be and are considered when appropriate.