DISCIPLINE and DIRECTION: Making the Right Decisions Print version
A Logical Process for Making Prudent Decisions
- Not just a strategy or a plan.
- Your investment success depends upon how you make decisions.
Collaborative Approach/Partnership
- You and I have complimentary duties and responsibilities
- Our interests are aligned - no hidden agendas.
- I provide guidance and discipline to help you stick to the plan
- You fulfill the personal responsibility to yourself and your family to understand the investment strategy and control the important policy decisions.
A Proven Investment Strategy
- Higher probability of success than alternatives.
- Easy to understand investment rules and principles.
- Focuses on managing risk as well as seeking better returns.
Insulates Decision-Making from the Influence of Human Nature and Emotion
- The biggest obstacle to investment success is our own Human Nature.
An Uncomplicated, Written Investment Plan
- Based on your most important investment goals.
- Reduces costs: identifies and controls taxes, fees, and expenses.
- More efficient implementation, management and monitoring.
- Regular review, course correction and portfolio rebalancing.
- Simplifies your life and provides you with peace of mind
EMPATHY: Appreciation for You as a Person
Respects You as an Individual
- Recognizes and appreciates your personal situation, beliefs, and preferences.
- Listens and answers questions, attentive to concerns or anxiety.
Customized Personal Investment Plan - not “one-size-fits-all.”
- Based on your instructions as detailed in the Investment Policy Statement
- Goal-Oriented – addresses your specific financial goals.
- A prudent level of risk (not too little, not too much)
- Based on your personal risk tolerance and required rate of return
FAIRNESS: Treating You Fairly
Compensation Based on Work Performed
- No commissions or annual asset fees.
- Hourly rate – cost is directly correlated to the amount of work.
Transparency: you know exactly what you are paying – in advance.
TRUSTWORTHINESS: Earning Your Trust
Competency
A Fiduciary Duty – no divided loyalty (creating the basis for trust)
- I work for you first! All other associations are subordinate.
- I follow the CFP® definition of fiduciary: One who acts in the utmost good faith, acting in a way we reasonably believe is in the best interests of our clients.
Integrity/Professionalism
- Actions based on Policies and Principles - not simply rules and regulations.
- Follow a strict Code of Conduct and Practice Standards [CFP® AIF®].
- Exercise objectivity, confidentiality, diligence, proper management of resources.
Credibility
- Hourly-rate compensation means no sales-related conflicts of interests.
Reliability
- Consistent and dependable, live up to promises.
EDUCATION: Helping You to Become a Better Investor
The Fundamental Rules of Investing
- The Not-So-Secret Secrets of Successful InvestingTM
- Sound, common sense investment principles that really work.
Why Some Widely-Held Beliefs About Investing are Actually Wrong
- How markets actually behave, not how we think they should behave.
How to Protect Yourself from the Influence of Human Nature
- How Human Nature affects decision-making.
How to Avoid the Common Mistakes Investors Make on a Regular Basis