Investment Philosophy
Our investment philosophy is based on the belief that each person has a unique financial picture and should not be forced into a cookie-cutter portfolio. We take time to get to know you and your goals and work together to build a portfolio that meets your needs.
Income is a key piece of the retirement picture. We take pension and social security into account to ensure that most of our clients’ expenses are met without being subject to the ups and downs of markets. This provides a solid foundation from which to seek higher returns on their other assets.
The Buffer Bucket provides additional stability and creates a bridge from the Income Bucket to the Growth Bucket. These investments are designed to generate some return but focus on making sure money is available to meet our clients’ needs as they arise.
This is the long-term piece of the puzzle, funded with dollars that clients do not expect to use for the next decade. We invest these assets aggressively to growth them as much as possible to offset the impact of inflation on purchasing power over time.
MAKING FINANCIAL PLANNING PERSONABLE, EASY AND ACCESSIBLE.
We use a variety of tools to meet and illustrate your financial plan.
- Virtual or In-person Meetings.
- Semi-annual school and municipality visits.
- Personalized plans defined by your goals.
- Continued guidance through each stage of life.