We value the individual needs of each client and recognize the importance of a collaborative relationship. Finding the right fit between advisor and client is an essential first step for a productive relationship. Once a mutual comfort level is established, we begin each relationship with an open conversation. We believe we must first build trust and understanding by learning as much as we can about our clients’ current financial situation, their preferences and their future goals. With that diagnosis in hand, we are then equipped to set a course of action for the family’s financial plan and investment strategy.
Life is fluid and unpredictable. As financial planners, we recognize and embrace the importance of bringing clarity to our clients and keeping their goals at the forefront of our relationship. This helps us and them remain focused and thoughtful as risks and opportunities arise. We help raise the awareness of our clients so they may make informed decisions based on their unique circumstances.
We know that a successful financial plan is often driven less by financial resources than it is by intentional and personal preferences, such as creating a family legacy, supporting philanthropy and realizing lifestyle expectations. Building a trusting environment in which open discussions can occur may be the single most important element in the formulation of an effective plan.
The goal of our evidence-based philosophy is to create a high likelihood of appropriate and desirable outcomes for clients. It also means that we actively and continuously seek opportunities to identify better methods for achieving this objective. Rather than pursuing flashy high-visibility products, we know from experience that cost-effective, high-quality investments tend to perform significantly better over the long term. Our research helps us to educate investors about what they own and why they own it in a way that cuts through the confusion of the investment industry.
Operating with a long-term perspective, we strive to avoid being reactive to market swings; our belief is that if we haven’t prepared for a sudden fluctuation, by the time it happens it’s too late to act in a meaningful way. We are committed to educating and coaching clients to promote an understanding of the value of the longer time horizon.
The appropriate blend of risk and return is central to solid performance. This changes not only for each investor but also over time. For this reason, we concentrate on formulating the right balance for each client portfolio to promote ongoing stability and confidence. As the greatest driver of appreciation and return, asset allocation serves as the primary influence in our portfolio strategies. To achieve diversification while reflecting our preference for flexibility at each decision point, we strive to select investments that are sound, liquid and cost effective.