I charge a maximum .99 basis points percentage of assets under management.

You need to believe I can:

1. Cause lifetime returns to rise greater than the fee because of my portfolio choices.
2. Give you emotional equivalent of exceeding fee in time, energy, worry, and record keeping - or
3. Save you at least the fee on the cost of behavior/panic mistakes I might help you not make.

This is accomplished through planning using an academic and historical perspective and coaching not to make the big mistakes.

Certainty and return are inversely related.

There is a World of difference between investment returns and investor returns.

• No economic/market forecasting
• No market timing
• No track record investing/performance chasing

Quantify goals, crafting a lifetime plan.

Funding the plan with a lifetime portfolio: 

• 20%

Coaching clients to continue working the plan, through all the market cycles, and all fads, fear, and noise of the markets:

• 80%

Analyzing/interpreting the economy & current events:

• 0%

Timing the market:

• 0%

Identifying consistent top investments:

• 0%

Total: 100%

I will:

• Provide passion, integrity and empathy
• Lead you to make intelligent choices using finite resources
• Teach you to be a high saver and defer instant gratification
• Never ask you to perform a more rigorous financial discipline than I practice myself
• Ultimately must choose an advisor you feel the most implicit trust

First and most important, you must call me anytime for any reason whatever, please do not hesitate.

Second, I'll call you if and when something is going on that's important enough to require a decision of some sort.

Third, I will occassionally send out e-mails, texts, newsletters and other happenings I think most of my clients will be concerned about or enjoy.

I prefer the balance of my communication protocol to be that of friendship more than business.

Not much else but most of all open in both directions.

I want to give you permission to set your suitcase down. Let you unpack it in such a way that you see it as full of junk, and to help you become prepared for something better. To tell you, you will be OK.

It is possible to achieve wealth accumulation through personal initiative, hard work and thrift.