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Our core values
Don’t lose money:
At the core of our investment philosophy is the belief that, we do everything possible to try not to lose money. While market volatility and to some degree losses are inevitable, we hold that if you can avoid large losses like the market experienced during the great recession of 2008, you may reach your financial goals without having to take unnecessary risk, and with more peace of mind. Not losing money is more important to us than making money, because losses are harder to recover from than sitting in cash. Therefore, from time to time due to economic conditions we will move our actively managed assets to an all cash position in order to help protect your principal. While it may be a radical idea to some to pay an advisor a fee to sit in cash for any period of time, we humbly disagree and our track record speaks for itself. We hold that there are times in the market when it makes sense to wait and be patient. When we do take a cash position, we are still always active. Our data analyst and investment committee monitor and track the daily performance of all of the major indices, variable annuity sub accounts and over 6,000 stocks and ETFs. We constantly monitor and discuss the capital markets to seek out opportunities to grow our portfolios. All the while we are here to answer important financial questions and help you make intelligent decisions.
Have realistic expectations:
Keep your goals and objectives realistic in nature and use the tools that are available to you to achieve those goals. So often people set arbitrary targets that have little substance such as, to have $1,000,000. Assets alone without taking into account how much income they will generate, what sort of fees and taxes are involved, and vague financial goals are a recipe for disaster. Deal in specifics when setting financial goals, be mindful of what type of lifestyle you want to lead and take concrete steps to get there.
Have a written strategy:
Develop a written action plan that lays out what you want to achieve and how you plan to get there, monitor your progress and make changes as necessary. In order to achieve your financial goals, you need to be both proactive and reactive. Proactive in your planning but reactive to changes that come up on your road to financial independence. There are a number of material changes that can affect you, like having children, changing jobs, inheriting money, getting a divorce, becoming disabled, being diagnosed with a critical illness and bad market performance. We can help you get a written strategy in place to serve as a guide where we monitor your progress, face problems head on as they arise, seek remedy for those problems and hold each other accountable along the way.
At the end of the month, quarter or year you will eventually review and track your investment performance and end up with a number. The number will simply state how you performed. Did you make money? Did you lose money? A component of that number often overlooked is the amount of that number which you derived from income. If you made an average return of 10% and 2%, for example, of that was derived from portfolio income, then the other 8% was growth or “if come”. We strive to maximize “income” in our client’s portfolios.
Our goal is to help you take advantage of a market inefficiency, and use the tools that are available to you through the capital markets. We believe that you should incorporate alternative investments, when suitable, into your portfolio to help balance risk and exposure to the volatility of the stock market. Our open architecture platform allows us to use products and solutions from many of the industry’s leading companies. This enables us to find the right fit for your portfolio. We utilize advanced strategies such as Roth conversion to maximize tax efficiency and tools like variable annuities to provide you with guaranteed lifetime income and death benefits to maximize your assets.
The information herein has been prepared for educational purposes only and does not constitute an offer to purchase or sell securitized real estate investments. Because investors situations and objectives vary this information is not intended to indicate suitability for any particular investor.