80 Business Park Drive,
Are you open to looking at things a little bit differently?
Here's a taste of some of our views that we believe differentiate us from mainstream advisory approaches that we've seen.
We put Avoiding Failure first.
A plan that becomes meaningless when "x" happens or if "y" prediction doesn't happen, is not a plan; It's a bet.
We take the appropriate first step of analyzing potential points of failure and developing a plan to mitigate them.
We prioritize being financially unbreakable instead of chasing rates of return. Paradoxically, this enables potential long-term total returns, because it allows compounding to work its magic uninterrupted over long time periods.
Be optimistic about the future, but paranoid about what will prevent you from getting to the future.
If you want to hear a guess as to what will happen next, and to generate maximum returns only if that turns out to be correct, then we're probably not a fit for you. We don't do gambling. Our clients prefer to bypass that problem entirely and feel comfortable knowing they are prepared whichever way things go.
We view and manage risk differently.
Some in the investment industry conflate multiple definitions of risk, using words like "risk," "volatility," and "standard deviation" interchangeably.
The key distinction is between outcomes that play out repeatedly and display a coherent average over time, vs those in which you only get to experience one or very few outcomes.
Our clients are not an aggregate; each client is a sample size of just one, and we value the importance of protecting your individual outcome, instead of leaning on what "should work"..."more often than not."
There are different and sophisticated approaches to managing risk available, and our mission is to consult with clients to use them in their rightful places.
Success is about proper positioning. Preparation is not about making the right prediction; it's about preparing in such a way that prediction becomes irrelevant.
We prioritize cash flow and mindset above asset size.
As holistic wealth advisors, we're agnostic to our potential clients' net worth starting point.
We understand that the real value is in something entirely different: efficiently and intelligently getting cash flow onto and off of your balance sheet.
"High score" asset figures on paper won't benefit you, your family, or your business. Money is only valuable when it's able to be put to use.
Traditional approaches to retirement planning can often be accumulation and rate-of-return driven, which runs the risk of leaving large percentages of wealth usage on the table when not set up for academically-supported sophisticated distribution strategies.
Flexible distribution strategy designs can enable clients to spend more of their money each year in retirement, even with potentially lower asset total baselines.
We act as your wealth, business, and financial quarterback and coach.
Most decisions that will determine your wealth building, protection, and distribution outcomes are not just decisions about what to invest in next.
We emphasize organization, coordination, and managing exposure across all accounts and considerations; not just within accounts we manage or in isolation.
We value planning for multiple considerations that matter to you all at the same time, not optimizing for one thing and ignoring the forest for the trees.
There are no magic tricks. There are only so many tools. The art and science is in knowing how to put the pieces together - The Strategy.
We believe that rules of thumb and common financial "wisdom" present an incomplete picture.
Conventional wisdom can only, at best, lead to conventional results.
Popular generalities about savings rates, how big your emergency fund should be, cash drag, and even core financial planning guidelines like the 4% rule (hint: it's not really a "rule" at all), neglect critical nuances and exceptions that can have a serious impact on your outcomes.
They don't take into account your personal circumstances, and by therefore by definition are not designed with your interest in mind.
We hold ourselves to a much higher standard, learning about you personally and putting your interest first.
We understand that the application of focus and energy is only as good as what it's applied to.
Prioritization means making sure we focus resources most intently on the biggest value drivers - things that will move the needle instead of getting lost in minutia.
It's all too easy in wealth and financial planning to get lost in a maze of things you could do (and that someone, somewhere is willing to say you "should" do).
Much of this only serves as a distraction.
That's why we insist on doing the right things in the right order.
We encourage you to take a look around our website to learn more about what makes us different, from our process, to our team, to our mission in partnering with clients, as well as the comprehensive array of personal and business planning services we offer.
If you're open minded to doing things a little differently, I encourage you to reach out and set up a time to talk to see if we can be a resource for you.
Your ability to build and sustain real wealth is not about what the next hot investment will be.
We understand your challenges and goals - and what to do next.
Protect, Grow, & Exit. Optimize the delicate interplay between business and personal goals.