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Our Financial Planning Process

Developing a Financial Plan

While the development of a financial plan is complex and technical, we adhere to a rather simple and inclusive client interfacing approach that engages you.

  1. Enlighten each other and get acquainted. We’ll discuss values, yours and ours, as well as goals and dreams.
  2. Engage by completing a personal needs analysis and risk assessment, as well as acquiring other information and documents that include cash, liabilities, protection, taxes and investments.
  3. Establish, develop, and present personalized financial strategies and recommendations that work towards the goal of you living the lifestyle you want and deserve.
  4. Execute your plan by putting it into action through carefully and appropriately selected strategies and tools.
  5. Empower you to transform your financial road map into a living plan.



Our Fundamental Difference

What is a "next-generation" money manager? Well, its not the status quo. It's not a company who just tells clients to buy and hold and hope as the markets continue to get more volatile. Yesterday's investment strategies don't work in today's economy. We believe there is a better way to manage the investment growth and asset protection needs of today's investors. We use the Five Fundamental Investment Philosophy Principles.

  • Risk Management - Risk is not the only road to return. We believe that strong diversification coupled with proactive risk management solutions to focus on the goal of consistent returns.
  • Research Driven - We combine research from Nobel-prize winning scholars, historical data and mathematical formulas to manage today's investment challenges.
  • Transparency - We don't buy into the hype of "secret" portfolio structures or strategies, and neither should investors. We are committed to full disclosure and work with experienced trusted financial institutions.
  • Customization - There is no one-size-fits-all investment solution. This is why we offer a variety of portfolio solutions to meet the varying timeline and risk exposure needs of today's investors.
  • Mechanical Management - Investing is a science, not a state of mind. Human emotion, hunches and short-lived trends have no role in the management of investments. We set and follow specific investment buy and sell parameters, and then let the process go to work.


No strategy ensures a profit or protects against a loss. There is no "right" time to enter or exit a market. There is no guarantee that the investment objective mentioned here will be met.