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"It's not what you don't know that hurts you, it's what you know that just ain't so."
Satchel Paige

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"A happy life consists not in the absence but the mastery of hardships."
Helen Keller

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"Nothing you can't spell will ever work."
Will Rogers

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"If you don't know where you're going, you might not get there."
Yogi Berra

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"It's not so important who starts the game but who finishes it."
Coach John Wooden

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"The investor's chief problem––and even his worst enemy--is likely to be himself."
Benjamin Graham

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"We make a living by what we get; we make a life by what we give."
Winston Churchill

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"Doubt is not a pleasant condition, but certainty is absurd."
Voltaire

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"Whether you think you can, or that you can't, you are usually right."
Henry Ford

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"A good plan today is better than a perfect plan tomorrow."
Proverb

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"No one would have crossed the ocean if he could have gotten off the ship in the storm."
Charles Kettering

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"There is no security on this earth, there is only opportunity."
General Douglas MacArthur

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"It's faith in something and enthusiasm for something that makes life worth living."
Oliver Wendell Holmes, Sr.

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"Not everything can be counted counts, and not everything that counts can be counted."
William Bruce Cameron

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"We view wealth management as a means toward the greater purpose of living a life of significance."
R.G. Moler

Wealth Management

Our philosophy is that wealth management cannot be properly handled outside the framework of personal values and goals. We help our clients identify their most important goals, along with the values they wish to perpetuate. We then translate those goals and values into a long-term wealth management strategy.

Aspects of Wealth Management

Our wealth management process looks at a number of different aspects of our clients’ financial lives. As appropriate, we work with clients to include in their investment plan their objectives for 1) wealth enhancement, 2) wealth transfer, 3) asset protection, and 4) charitable giving.

By working together in each of these areas, we can more effectively:

Seek income and capital gains tax efficiency
Ascertain the best way to provide for future generations
Utilize tax-efficient strategies for wealth transfer
Integrate asset protection strategies
Maximize the impact of charitable objectives

We can work with our clients’ current professional advisors or introduce legal and other professional experts in an effort to build the best possible team for your wealth management strategy.

Investment Consulting

Our investment consulting process is based on the observation that average investors often do not receive the historical average return on their own investments. This is because average investors usually make a number of mistakes that keep them from receiving the benefits of long-term compound growth in capital markets.

By adhering to specific guidelines, we try to help our clients realize more of those long-term capital market returns. Having a framework helps clients avoid some of the behaviors that destroy rather than create wealth. Our experience has been that free markets work best to create wealth and income. Because we have a positive perspective on the future of free markets, we are able to work to help our clients maintain the discipline necessary to adhere to their individual plans.

Each client investment plan allocates assets according to the specific goals and financial needs of the individual. We believe extensive diversification within a portfolio is a cornerstone of prudent investing. Additionally, periodic rebalancing is the discipline that helps us maintain the plan.

These guidelines help us as we attempt to obtain the returns that free capital markets can provide. We believe that, applied in conjunction with a solid plan and a long-term point of view, these guidelines will serve as a foundation for an optimistic and hopeful perspective not only on one’s personal finances but also on the entirety of one’s life.

By seeking to deliberately simplify and structure our clients’ financial lives, we believe that we are better able to help them build wealth and create freedom. This is how our clients can begin to transform their financial success into an accomplishment of personal significance.