Our Story

Our Story

People often believe that every firm offers personalized financial planning and investment management tailored to the individual. 

But actually that is wrong. Firms [almost] all follow the same 1950’s investment process that leads to an approach of underperformance, complication and undue stress on the client all in the name of mass-produced plans that cater to the advisor and not the client. 

But actually that is wrong. Firms [almost] all follow the same 1950’s investment process that leads to an approach of underperformance, complication and undue stress on the client all in the name of mass-produced plans that cater to the advisor and not the client. 

We noticed the problem right away.

People don’t want risk scores and model portfolios. They have them because their advisor told them to get them. People want to know they will have more than enough income throughout their retirement regardless of the economy or the markets. And they want to grow their money in bull markets and protect it in bear markets. In other words, people want their best life to be their retirement. Every advisor knows this. Yet most are following outdated flawed approaches. 

We think like pilots.

Just like a pilot of a plane we want to understand if the market is good (bull market) or not good (bear market) to grow and protect money. Market direction matters. Just like weather matters to pilots.

You want a fiduciary in your life.

Our advisors are Certified Financial Planners®, which means we are fiduciary and put your interest before ours. And in order to do that we have to make sure our approach is commonsensical. Here is one example: We use Wealth Dashboards NOT 50 Page PDFs. Let me quickly explain, a Wealth Dashboard is what it sounds like. A living, breathing shared document that tells you immediately how you are doing. And NOT a static, twice a year (if you are lucky) stack of data filled with jargon, pie charts and projections of probability. But real life. 


Simple or Complicated?

Yes, we know people think complicated is better. That is why so many people are lured into complicated approaches. But history is very clear. Simple is hard to break. Simple is powerful. Simple is not easy but it's worth it for your retirement. Simple beats complicated over longer periods of time. We have been retirement experts since 1998 all without using jargon, risk scores or outdated model portfolios. 

When you are ready to add 10 good years, the next step is simple. Click here to connect with us. 

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FAQ

  • Our client’s account are house at Schwab

  • Our fee work on a sliding scale depending on the amount of money we are managing for our clients. The fees range from 0.5% to 2.0%

  • NO

  • 1998

  • Yes

  • Every week we have our Market & Portfolio Zoom Meetings. Once a month we send out a Market Update eLetter. Twice a year we have Personal meetings with our clients. And of course our clients can client reach out to us via phone, text or email any day of the week.

  • Yes. We do not have any corporate owner. We are truly independent.

  • Yes

  • We offer money management, financial planning, retirement planning and coaching via our proprietary Wealth Dashboard and one-on-one meetings.

  • No, all of our clients’ accounts are separately managed at Schwab

  • Full access. They have their own username and password.

  • Yes

  • Yes

  • $1MM

  • It’s quite simple. We want to fully grow your money in those long secular bull markets. And we want to protect your money by stepping aside during the shorter but potentially catastrophic bear markets.

  • All of our advisors have CFPs (Certified Financial Planner)

  • Yes. This is our expertise.