Our Philosophy Statement

1.We are committed to the “Personal financial Professional” process

Goal setting : We believe that our clients must set their own goals. It is our responsibility to educate them in the process and to assist them to define, quantify and prioritize their goals.

Rule of thumb planning : We don’t believe in rule of thumb planning ( such as that retirement income should equal 80 percent of preretirement income) is an incompetent and unprofessional method in planning for client’s financial independence. It should be customized.

We believe in making assumptions, not relying on “conservative” defaults.

2.We are committed to Professionalism

All our PFP are either CFPs or QPFPs, or in the process of becoming CFP /QPFP certificants, and are expected to be active participants in our professional organizations. Continuing education is mandatory for all of our professional staff.

3.We are committed to a Fundamental Investment philosophy that includes

Risk and Return : We believe in appropriate measures of risk and return

Value vs Growth : We believe in blended approach.

Active vs Passive : We believe in active process

Time Diversification : We believe that the relative risk of increasing equity exposure decreases as the time horizon of the goal increases

4.We are committed to customized investment implementation

Policy : We believe that an investment policy should be written and should be customized to the needs of our client. It should describe our client’s goals and discuss his risk tolerance.

Professional Managers : We believe that professional money managers will provide results far superior to a client’s direct security selection and management.

Ongoing Review : We believe that there should be a regular review of a client’s situation to determine if he is continuing to move toward achieving his goals.