• Trust is earned by consistently demonstrating high character over long periods of time.

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• Advisors should be transparent, accountable, honest, and competent - a client should never have to wonder whose interests are being served.

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• There is no substitute for a well-thought out financial plan - to us, financial planning is the coordination and planning of the following areas:

  • cash flows​

  • insurance

  • estate planning

  • tax

  • investments

  • retirement/goal planning

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• Your plan should reflect your life and goals - financial planning is highly personal. Just as there are no two lives that are the same, there should be no two plans that are the same.

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• Financial planning should lead and inform portfolio management, not the other way around.

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• Investment portfolios should be kept simple (barring unique circumstances) and should focus on:

  • a risk profile that is commensurate with the client's need, ability, and desire to take risk ​

  • tax efficiency

  • low cost

  • broad exposure

    • too many times, we see portfolios that are not properly diversified because they lack exposure to various sectors, market caps, and geographic areas​

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• Commission-based solutions are to be used only when they are the best tool for a specific purpose due to their higher expenses and more opaque fee structure.