People who have financial advisors gain many advantages.   One of the greatest benefits is that we make complex concepts simple.   Here are three simple steps that can help you to increase your wealth: Find Strategies to Save Money – Whether you are retired or planning for retirement, we can provide proven ways to help you...Read More

“Most of the time the world doesn’t come to an end.”  ~ Ben Carlson In 2025, we helped clients to endure another scary stock market correction and to benefit from its subsequent strong recovery.  We are delighted to share with you this brief article which wisely summarizes this current year in financial markets:   Staying the...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

You become a business owner when you invest in stocks, so naturally you are interested in the profitability of your businesses. This chart demonstrates how S&P500 corporations have overcome tremendous economic challenges. They grew by creating new products, inventing more efficient technologies, and developing new markets.   Although profits cycle up and down, over the long...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

When markets make new all-time highs they can still keep rising for quite some time – and nobody knows when that will change. At times such as these, when stock markets are high, investors especially need effective risk managment. Our “pension-style” portfolio models select specific funds which combine multiple protective strategies: A balanced, diversified, multi-asset strategy...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

“It’s pretty easy to get well-to-do slowly. But it’s not easy to get rich quick.” ~ Warren Buffett We came across surprising statistics regarding day trading. Did you know that only 1% of traders are profitable? Moreover, 60% quit after one month, and 80% quit within two years. Scientific research indicates sucessfull investors tend to invest...Read More

“A calm and modest life brings more happiness than the pursuit of success with constant recklessness.” ~Albert Einstein How do we overcome the financial mistakes investors repeat generation after generation? How do we manage our instincts such as fear, envy, and overconfidence?  Our answer is that “pension-style” investing solves these problems and helps us sleep...Read More

Everyone is happy when stock markets rise and, fortunately, they do achieve positive returns most years.  Yet, the longer you invest, the more likely it is you will encounter challenging markets. Still, the only way for investors to fully enjoy their attractive long-term gains is to stay the course during market dips.  Our “pension-style” portfolios...Read More