It is easy to give answers. It’s harder to provide the right ones.
HOW WE INVEST
Our approach is fundamentally different than that pursued by most investors. It is not based on anything that happened last quarter or last year. It is not based on what is expected to happen next quarter or next year. We base our work on Nobel Prize-winning research and discipline rather than hope, luck, market timing or stock picking. We favor index funds from Vanguard and asset class funds from Dimensional Fund Advisors (DFA), seeking to build diversified and low-cost portfolios tilted toward sources of higher expected return.
PLANNING FOR BUSINESS OWNERS
You have a business. Not to mention taxes and insurance to consider and a plan to put in place for succession. Managing your personal wealth takes more and more time away from what you do best. We bring focus, expertise and coordination with your other professionals to give you the best chance of success.
Jeff successfully transitioned the family business with some thoughtful planning.
Steve learned his dream of early retirement was achievable with the right financial plan.
PREPARING FOR RETIREMENT
Preparing for life’s next chapter often requires managing debt, saving for college and ensuring reliable income in retirement. This can be complicated, stressful and demand a lot of your attention. Our goal is to put a sensible plan in place so you’re free to focus on the other important areas of your life.
LEAVING A LEGACY
What do you want to leave behind? When the time comes to divide investment accounts, life insurance and real estate, the importance of a plan becomes clear. We start by asking the questions that are too often overlooked. They’re the ones that build the foundation for your success.
By asking a simple question, we helped turn Anne’s estate puzzle into a plan.
Bill and Linda narrowly averted financial disaster by building a smarter portfolio.
DIVERSIFYING A CONCENTRATED POSITION
While the benefits of diversification are well-documented, there are many reasons investors choose not to diversify. Some have an emotional connection; others believe the stock’s future prospects are more attractive than the alternative. Many want to avoid paying taxes on capital gains. We help investors focus on tomorrow’s after-tax wealth, not just today’s tax liability.
BUILDING A CHARITABLE LEGACY
How much can you contribute to charitable causes without jeopardizing your retirement? And what’s the best giving vehicle? Whether it’s establishing a charitable account to manage assets long term or building gifts into your will, we help you build a plan to realize your philanthropic goals.
John and Sue discovered a village in need, and started building their charitable legacy.
By turning lemons into lemonade, Jim and Mary entered retirement free from financial worry.
SENSIBLE TAX MANAGEMENT
Managing wealth for retirement isn’t just about earning higher returns. It’s about ensuring the lions’ share of returns ends up in your pocket. Our use of low cost, tax-smart investments helps put you on the right path.