Every client is unique and their investment plan should be no different. We create strategies that are carefully designed to assist our clients reduce risk, optimize returns and create reliable income where necessary.
Although each client is different, there are some key tenants we believe in that can be helpful in preserving and growing your investments.
1) Cost Matters
Performance is important, but so is cost. Even though we can't always control performance, we can control cost which has a large impact on the future success of investment portfolios.
We believe that by utlizing low-cost investments, like ETF's or index funds, in our portfolios, we place our clients in a better position for improved results over the long term.
We want to increase the probability of success for our clients to reach thier retirement goals. We believe by working to reduce cost, the retirement plans of our clients have a higher degree of success.
2) One Size Doesn't Fit All
It's easy to try to fit everyone into the same box, but that's not the way we work. Each of us has a different level of needs, comfort, and experience that makes us unique and is how your portfolios should be treated.
This means that the level of risk and reward your portfolio takes should be based on what you need your investments to do.
Generally, we all want the same thing which is the highest level of return for the least amount of risk. That is going to be different for each of us based on what we need and how we feel.
3) Focus On What Works And Is Right For You
As the saying goes, history doesn't repeat itself but it often rhymes. We believe that your investment strategy should follow time-tested results provided through academic research and history.
Just because our lives can be complicated doesn't mean our investments should be. In fact, the less complicated the better is usually a good rule to follow.
No investment works best every time, all the time. Our experience has helped our clients to be prepared for the ups and downs we have seen in the markets, which will surely happen again. Working with our firm to develop a proper plan may help you find opportunity where you may not think.
We are a fiduciary for our advisory clients, meaning we have to act in your best interest. That should be the case everywhere, but it isn't. We don't use proprietary products so we can focus on delivering the results that matter to you and your success.
❓Interested in learning how your investments are impacting your future needs?
No one wants to run out of money in retirement. We work to create plans focused on reaching your goals while minimizing the risk of running out of money.
Small changes can make big differences. We use our experience to determine the optimal time to take Social Security and turn your nest egg into income you can rely on.
Who wants to pay more taxes in retirement? With careful planning, we'll work to lower taxes today and throughout retirement.