Values and Philosophy

Our Values:

  • Every client has the right to feel financially secure.

  • Each client is unique and therefore their plans and investment strategies must be custom designed.

  • Clients should be actively engaged in the success of their own financial plan.

  • Our role is to encourage and coach clients to take appropriate actions as opposed to emotional reactions.

  • Our job is to provide accurate, timely information and the resources and advice to help clients make informed decisions.

  • Financial Planning is an ongoing process - not a product or end result.

Our Philosophy:

"It is impossible to successfully predict annual returns and trying to manage a portfolio based on near-term predictions is a sure recipe for failure.  Instead of guessing what direction markets will take in the short-run, the best way to pursue your investment goals is by taking a LONG-TERM PERSPECTIVE and having a DIVERSIFIED INVESTMENT PORTFOLIO

Your investment portfolio must reflect both your RETURN OBJECTIVES and your TRUE TOLERANCE for volatility and downside risk.  When your portfolio is consistent with your risk return objectives and you commit to a long-term view, you can WORK TOWARDS ACHIEVING YOUR STRATEGIC FINANCIAL GOALS by avoiding the tendency to react to the inevitable short-term noise that comes with investing."

Michele, Jana, Diane, Kim & Karina


There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification does not protect against market risk.  No strategy assures success or protects against loss.