We believe…that everyone, not just the rich, will benefit from thoughtful financial planning.
Financial planning is valuable for people at many different stages of life and income levels. You do not need millions of dollars to benefit from making informed, intentional financial decisions. Our goal is to help clients use the resources they have to make choices that align with their values and long-term goals.
We believe…in a well-diversified portfolio consisting of mutual funds and ETFs, built within an asset allocation that matches your financial situation, temperament, and goals.
Using no-load mutual funds and low-cost ETFs allow more of your money to stay invested and working for you. A diversified portfolio helps manage risk while still allowing participation in market growth. We focus on building allocations that are appropriate, disciplined, and designed so clients feel confident they are not taking on more risk than they can comfortably handle.
We don’t believe…in attempting to time the market.
Market timing is unpredictable, even for professionals. We believe successful investing is best achieved by selecting an appropriate asset allocation and staying committed to it through all market cycles.
We believe…that the earlier you identify your financial goals, the easier they are to reach.
When goals are defined earlier in life, there is often more flexibility and more time to plan thoughtfully. Whether the goal is retirement, education funding, or a future lifestyle choice, early planning creates more options and increases the likelihood of success.
We believe…that paying for financial planning on an hourly, fee-only basis is in the best interest of most clients.
Clients pay only for the advice and services they need, nothing more. Because our compensation is not tied to the products we recommend, we are able to provide objective, unbiased guidance. As fiduciaries, we are legally and ethically required to act in our clients’ best interests at all times. It is a simple principle, but a powerful one.