Swing vs. Club
There is a lot more to reaching your financial goals than just contributing to a 401(k) and investing some money in the market. This narrow way of thinking is not much different than just rolling the dice which carries significant risk.
There are only 2 fundamental ways any financial professional can help you; The first is to find better products (club) that potentially pay higher returns, often requiring more risk. The second, is to help you become more efficient (swing) by avoiding unnecessary losses. We believe there is more opportunity to serve our clients by helping them to avoid the losses rather than by increasing risk. Our entire planning process is based on "finding money" (swing) that you may be losing today and in the future.
Planning Simplified: Position A
To accomplish financial success, there are many areas that may need to be planned for such as retirement income, college funding, investments and risk management, tax planning, life insurance, business succession, and others. If you are like most of our clients, you know these areas deserve attention, however, life is so busy that it can be hard to even consider the basics.
We find that all of these areas and the goals one has can be combined into a core objective we refer to as Position A. Being "in" Position A means that you will be able to "to maintain your standard of living from now until life expectancy, without running out of money". We work to make sure you are in and will maintain Position A so you can enjoy your current standard of living without worrying about the future.
RE: Retirement
Federal Income Tax
How Much Home Can I Afford?
The Utility of Sector Investing