We Eat Our Own Cooking

Our core values of disciplined and careful are more than just words, they have guided us as we have in turn guided individuals, families, banks, unions, foundations, and retirement plans. We are a fiduciary financial advisor, making us distinct from others. That means we always act in our clientsʼ best interests. We avoid any conflicts of interest and provide complete information surrounding any financial decisions we advise. Being a fiduciary advisor is completely optional. Itʼs a path weʼve chosen because we believe it represents the most responsible and safe course for our clients and their interests. Weʼd never advise you to do something with your money that we wouldnʼt do with our own.

Our Principles


Compatibility

Our relationships with our clients span decades and generations. Needless to say, working closely over a long period of time requires compatibility from the beginning. We pride ourselves in putting our clientʼs interests first and work hard to communicate complex issues in a clear manner. We are long-term optimists but day-to-day realists. We insist on deep analysis for each of our recommendations and we donʼt sugar-coat our opinions. The clientele we attract tends to have a similar mentality.
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Alignment of interests

To use a descriptive phrase, “We Eat Our Own Cooking.” We will not advise you to do something with your investments that we would not do with our own. Our interests are aligned with yours and we share successes and failures together.
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Planning

Time, effort, and money are saved when investors know their financial objectives and move toward them in as straight a path as possible. Without a plan you will arrive somewhere, but where? Perhaps you are saving too little; perhaps you are saving too much. You canʼt know without running the numbers. Every financial decision has repercussions. It is imperative to make those decisions with the facts laid out, unemotionally, and in the context of your long-term goals.
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Risk

Risk is a part of financial planning that cannot be mitigated. Consider “riskless” cash. At the normal US inflation rate, a dollar bill drops in worth (what it can purchase) by roughly 50% every 20 years! One of the most effective paths to true financial safety is through a well-disciplined approach to investing. Our approach relies on a layering of risk control strategies and tactics developed over 50 years. There are numerous risk types. We believe that investors need to perpetually contend with three major risks: inflated asset prices, over-indebtedness, and emotionally driven price movements (or a combination of all three). We focus first and foremost on risk control. We work to control the areas of risk that can be controlled, so that the risks that can’t be controlled have a muted impact on our client’s plans.
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