Philosophy

When you enter my office, one of the first things youll notice is a large display of miniature lighthouses. Many times I am asked, Why are you so fascinated with lighthouses? My answer will explain my planning and investing philosophy. Lighthouses were beacons of hope. They literally served as guiding lights to ensure maritime travelers a safe and happy ending to their journeys. As a financial advisor, my primary function is to be your guide through the potentially hazardous journey of reaching your financial goals.

So, how do I go about providing the guidance you need for a successful and happy conclusion to your financial journey? With your input, I will carefully craft a plan that will help guide you to personal financial independence. Investing is an ongoing process. You cannot get rich overnight. Nor will you become financially independent without considerable hard work, patience, and planning.

The first step I will take is listening to you. Before I even attempt to offer you products and/or planning services, I must first determine what you are trying to accomplish. So, our first meeting will consist of questions and answers; I will not be pushing the latest hot product at you. For example I may ask, have you set financial goals? What have you already done to achieve your goals? What experiences have you had regarding previous investments, or investment plans? What are your concerns regarding taxes? Have you planned for your familys well being, in the event something unforeseen happens?

I then take this information and study it to begin developing your action plan. The plan provides you with a step by step procedure for reaching your goals. In our second meeting we will discuss your proposed plan, and fine tune it to really fit you. After we have developed your action plan, we will implement it by carefully selecting those strategies and/or products that match your needs and preferences for return and risk, as well as matching your particular needs regarding tax treatment, liquidity, estate protection, and affordability.

After we have fully implemented your plan, I strongly suggest we meet at least annually (I prefer twice per year) to review our progress and refine the plan to meet your changing lifestyle and financial goals. Your action plan is not a one time event. It is an ongoing, evolving process that will help keep you on course to achieve your goals.