I
deliver strategic portfolios that support each client's
personal values and risk tolerance.
I
must know my clients
"Only ideas
that we actually live by are of any value." - Hermann
Hesse
Discussing personal
values is an ethical duty of care for financial advisors.
I must know each client's values in order to give clients
quality advice and offer freedom to choose. Too few advisors
and clients understand and consider the alternatives to
owning an investment, or the suitable arrangements and choices
that must be considered. There are so many options. My
job is to simplify and make the best alternatives clear
so my client can make informed decisions.
Process makes
opportunity visible
Process is the constant
between two variables. Each client is a variable into the
process which must consider everything to maintain its claim
as comprehensive and complete. The dynamic is that passage
of a client through the process makes opportunity visible.
The variable that comes out of the process is an investment
strategy uniquely tailored to the client. My process
unveils suitable opportunities.
The truth will
set you free
Most investment
clients believe their advisor because they trust that advisor
as a person. So much is good. However, it is heartbreaking
when that trust begins to be questioned and maddening when
it breaks. So I strive to reach the point where each of
my clients feels free to ask Why? and is satisfied
logically and emotionally with my reply. I deal no magic;
no secrets that clients cannot understand; just calm truth
as I know it. When you know the truth of your situation,
your understanding becomes productive. The truth will set
you free to progress. You will always hear the truth
from me.
Speculation is
not my game
94% of the time
a portfolio's performance can be explained by how well it
is diversified.
Stock prices are driven largely by news… and no one
can predict tomorrow's headlines.
Selecting portfolio assets based on timing or other methods
is more "speculation" than investing. Thus, only
6% of the time can portfolio performance be explained by
timing or identification of undervalued stocks. Speculation
is not my or my clients' game.
Speculation is not prudent for increasing wealth for college,
retirement, charitable gifting or other goal funding. Prudent
clients are willing to accept rates of return in the markets
in which they are invested, and seek to limit downside risk
rather than speculating on making unreasonable gains.
The winning
strategy is intelligent diversification,
not emotional speculation.
