Financial Planning

Our goal is to first understand what we call your Personal Economy, which is everything you own, owe, earn, and spend. Once we fully understand your complete financial picture, then we can make recommendations that align with your best interest. From there, we work with our clients to execute their ever-evolving financial plan. Below are some of the components of a comprehensive financial plan.

GOALS & PRIORITIES

  1. What is important to me? My family?

  2. What do I want out of life?

  3. How do I want to spend my time now, in 5 years, in 20 years?

  4. Do my current actions reflect my priorities?

Budgeting & Retirement

  1. Where is my money going?

  2. Am I saving enough?

  3. What budgeting system works best for me?

  4. What type of retirement accounts should I be using?

INVESTMENT MANAGEMENT

  1. Do I have the right mix of stocks and bonds?

  2. Is the market going to crash? Should I get out?

  3. What return should I expect?

  4. Is it important to invest globally?

INSURANCE & EDUCATION PLANNING

  1. Am I covered if I become disabled or die?

  2. Should I buy term or whole life insurance?

  3. What is long term care insurance and do I need it?

  4. How much do I need to save for my kids’ education?

TAX & ESTATE PLANNING

  1. How can I minimize my taxes?

  2. Do I need a CPA?

  3. Do I need a will?

  4. Should I worry about estate taxes?

MONITOR & REVIEW

  1. How am I doing?

  2. Am I still on track?

  3. Should I pursue this new opportunity?

  4. How can I plan for the next phase of life?

Investment Process

We invest differently. Guided by a strong belief in efficient markets and academic research, we help clients build and manage well-diversified portfolios in a cost effective manner. We serve clients who want transparency and results. Our goal is to help clients become disciplined investors who understand the investment process.

Transparent

Clearly communicate our value-add, compensation, and responsibilities.

Cost-Effective

Leverage access to efficient investments, custodians, technology to lower costs for our clients.

Fee-Based

Ethically and financially motivated to protect and grow your investments.

Results Driven

Continually evaluate investments vehicles, strategies, and concepts to ensure the great results for our clients.

Academically-Focused

Use academically engineered portfolios created from proven research.

 
 
dimensional-logo.jpg
cfp_logo_gold.jpg
fpa-memberlogo2.jpg