Our Services
Financial Planning
Financial planning is the allocation of limited resources to unlimited possibilities. There are no independent financial decisions. One decision inherently impacts another. This tension can create confusion and undue stress.
We come alongside families as a guide and thought partner to alleviate this stress and confusion. Our financial planning process starts by understanding you and your money story and what is important to you. From there we work with you to strategically craft a comprehensive financial roadmap that represents you and your values, and puts you on a path towards confidence and clarity in your financial decision making. Ultimately, moving you towards financial clarity and freeing you to focus your time and energy on things that truly matter to you.
Investment Management
We believe a good investment plan starts with comprehensive financial planning. Having a defined cash flow plan allows you to understand when you will need to use your money. With this information, we help you build a strategic allocation across appropriate asset classes to support your cash needs over different time horizons. This time-based bucketing approach leads to clarity of understanding as to why and how your money is being invested across different asset classes based on your financial plan.
There is a lot about investing that we cannot control. We are passionate about the things we can - costs, taxes, and perspective:
Taxes: it’s not about what you earn, but what you keep. We are passionate about tax-efficient investment strategies to keep more dollars in your pocket instead of those dollars going to the government.
Costs: focusing on keeping internal investment costs low leaves more of the return for you to keep.
Perspective: the longer term our perspective, the better decision making we can have today. Investing, particularly in stocks, is a long term strategy. We cannot control short term movement in the stock market. We can control our perspective. The market rewards investors who focus on time in the market, not timing the market.