A planning practice built on the foundation of four core tenets
A dedication to Academics
An appreciation of History
An allegiance to Reason
An application of Math
Understanding Financial Planning
For most, the concept of finances represents a means to an end. Wise choices and prudent planning allow you to live the greatest life possible and accomplish your goals efficiently, effectively and with certainty.
Our Financial Planning process starts with collaborative effort to define the intersections of your financial state and your life.
- Who- information about you, your family, decision makers and advisors
- What- an inventory of your means and resources: assets, incomes and liabilities
- How Much- your goals, spending needs, charitable intentions and/or legacy requests
The organized picture allows the immediate identification of opportunities, risks, deficiencies and strengths. We create a detailed projection of how everything works together this year, next year, in 10 years or in 50 years, your Blueprint .
The approach identifies core areas where changes, both tactical and behavioral, can have profound outcomes and we quantify the value of the advice within our plans.
The Full Picture
In summary, a holistic approach and financial plan will enable us to answer, with conviction, questions of your current and future circumstances and show the impact of decisions that can be made.
- How should I invest?
- Am I protected?
- How much should I be saving?
- How much will I have?
- When can I retire?
- Which assets should be in which accounts?
- What is the best way to pay for my children's education?
- How can I optimize my tax situation?
- How should I transfer assets to my heirs?
- Where should I withdraw assets from?
Our process for designing portfolios is rooted in academic research, market history and reason; an adherence to Evidence-Based Investing.
Individually crafted investment plans are diversified among asset classes, markets and strategies with a hyper-sensitivity to costs and tax-efficiency.
Your Investment Strategy
Risk tolerance is a personal trait that can only be measured accurately through psychometric testing. Unlike height or weight, there is no standard unit of measurement for risk tolerance, which is an enduring psychological trait rather.
The scientific discipline of psychometrics has developed to make personal traits such as risk tolerance measurable.
Our more robust Risk Profiling combines your risk tolerance with your capacity (how much you can afford) and requirement (how much you need).
Our Holistic Approach
Individually crafted financial and investment plans are a minimum expectation.
Coordinating investments, cash flow, tax-efficiency, retirement, education, estate goals, and risk management is a start, but we believe a holistic approach should offer even more.
We help you follow through on financial commitments, by working with you to prioritize your goals, show you the steps you need to take, and regularly review your progress towards achieving them.
Simply put, we will help bring order to your financial life, by assisting you in getting your financial house in order (at both the “macro” level of investments, insurance, estate, taxes, etc., and also the “micro” level of household cash flow).
We bring insight from the outside to help you avoid emotionally driven decisions in important money matters, by being available to consult with you at key moments of decision-making, doing the research necessary to ensure you have all the information, and managing and disclosing any potential conflicts.
We work with you to anticipate your life transitions and to be financially prepared for them, by regularly assessing any potential life transitions that might be coming, and creating the action plan necessary to address and manage them ahead of time.
We will explore what specific knowledge will be needed to succeed in your situation, by first thoroughly understanding your situation, then providing the necessary resources to facilitate your decisions, and explaining the options and risks associated with each choice.
We will help you achieve the best life possible and will work in concert with you, not just for you. Accomplished by taking the time to clearly understand your background, philosophy, needs and objectives, working collaboratively with you and on your behalf (with your permission), and offering transparency around our own costs and compensation.
Ready for the Next Step
Your relationship with an advisor should be built on a strong foundation, and a mutual understanding of trust. Find out if we are right for you.