Our Personal Investment Philosophy

• To always understand what you own and why you own it.
• To buy and hold quality investments in a diversified** manner to minimize risk, that they may always be providing some benefit to us by owning them.

**A diversified portfolio does not assure a profit or protect against loss in a declining market.

Basic Responsibilities of ME:

• To be honest with you; perhaps BLUNT at times.
• To educate you, by leaving you with more knowledge than when you came to me.
• To buy quality investments. 
• To help keep you from doing foolish things with your money.
• To keep you informed on your account.

Basic Responsibilities of YOU:

• To be honest with me.
• To talk to me with regard to your needs & concerns.
• To allow yourself to be educated.
• To understand that at some point your account will drop in value.
  • If it is a quality issue, we will fix it.
  • If it is a market issue, we will allow time for the market to recover.
• To promptly return phone calls & paperwork.
• To maximize and grow your savings rate over your lifetime.