“Cessation of work is not accompanied by cessation of expenses.” We don’t know what stock markets will do when we plan to retire. In his article, The 4 Year Rule for Retirement Spending, Ben Carlson explains an interesting strategy for investors approaching retirement: The Retirement Buffer Strategy: Setting aside funds to pay the bills for a...Read More

“The simpler it is, the more I like it.” ~ Peter Lynch How do you feel when you see a delivery truck? It probably depends on your perspective.  If you are not expecting a delivery, you may not even notice it. If you are expecting a delivery, you will likely feel excited. But if you own...Read More

“The most important lessons learned in investing are learned in the tough times.     ~Howard Marks Bear markets are inevitable.  If you are eighty-five, you have seen 14 and if you are forty, you have seen 5.  This chart tells how many bear markets occurred in your lifetime:  This next chart highlights some historical declines...Read More

“It is important to realize that sensational predictions rarely come true.” ~Ben Carlson Failed forecasts are prevalent in the financial industry. But is anyone keeping score?   This article, Some Things That Didn’t Happen, by Ben Carlson, previews his upcoming book which catalogues many dire warnings of impending doom.     Just take a look at some of these...Read More

“Markets eventually recover despite volatility” ~Mackenzie Investments, Market Volatility, Investors guide Over your investment horizon, it is most likely many crises will occur in stock markets.  While past events are no guarantee of future results these two fascinating charts show: The numerous upheavals in our world and in markets The market volatility and recovery in...Read More

“That fear of missing out on things makes you miss out on everything.” ~Etty Hillesum As we are all aware, particular assets can rise very sharply from time-to-time. Predictably, news stories will create anxiety by focusing on the unusual gains other market participants are making, which can influence investor sentiment quite dramatically.  As more people...Read More

Most of our clients entrust us with all of their investment wealth, a responsibility we take very seriously.  We build long-term relationships, often over decades, helping clients achieve lasting financial success. We hold in-depth conversations with each client to understand their personal goals.  Our investment planning is based upon an individual’s entire financial picture. We aim to provide lifelong, tax-efficient...Read More

“There is a symmetry to bear markets in the short-term. In the long-term there is an asymmetric relationship between bull and bear markets. You just have to survive the short run to get to the long run.”  ~ Ben Carlson Bulls and bears represent stock markets because of the way they attack. Bulls fight by...Read More

We have a question for you! Q: How do you quantify the value people recieve from financial advice? A: By wealth accumulation over time, which is documented here:  Wow! So, why does working with a financial advisor have such a positive impact? One important reason is that financial advisors invest for the long term.  Plus,...Read More

Millions of investors place their trust in financial advisors to manage their portfolios.  However, we are different because we offer “pension-style” portfolios along with our personalized advice to help you achieve your goals. As a result, most of our clients have entrusted us, not with part, but with all of their investment wealth. If you...Read More