Understandable, unbiased info.

Everyone can make good financial decisions

We believe that everyone, regardless of education or background, is capable of making good financial decisions when presented with unbiased and understandable information about their current and projected future cash-flow.

We also accept the proven academic research that says investment markets are generally efficient and that no one can predict the timing, direction, and amount of change for specific investments or asset classes with any consistency over time.

Accordingly, our approach to advising and serving our clients is to [a] anchor investment decisions and portfolio design to the short-term and long-term goals defined by the client’s financial plan, [b] keep costs low, [c] seek broad diversification within multiple investment asset classes, and [d] help clients “stay the course” and avoid the pitfalls of greed during rising markets and fear during periods of market volatility.