the average american

In America, there is a high drive toward consumption.  We are a country that demands instant gratification.  We purchase goods at a much higher rate than most other parts of the world.  Think about the average young person entering the workforce, they sometimes begin their working life with debt from their college years.  As they begin their careers, they must make certain purchases such as a car, clothes and equipment to embark in their profession.  At this early stage they are already behind in wealth-building due to their debt and career startup costs.  So they work at least eight hours per day, five days per week just to pay off debt and stay afloat.

A few years go by and now they are ready to start a family.  Because they have little to no savings, they incur new debt for a new house, wedding, furniture, etc.  Again, wealth building is put in the back burner to prioritize these new expenses.  In later years, when the children have grown and are finally on their own, then they start focusing on building wealth.

Unfortunately, now decades have passed and there is very little time to build enough capital reserves for retirement.  In addition, the amount that they were able to direct to wealth accumulation probably went into a qualified plan, which severely limits access during the growing years and is very inefficient in the distribution years.  Sobering thoughts indeed.

Our philosophy is that these outcomes need not occur!  The problem lies in a lack of information.  How many times have you said to yourself, “If I knew then what I know now…”?  Our planning is premised on the notion that it is better information and knowledge that leads you to making better decisions.  You are a talented and disciplined professional and your income potential is great.  You CAN achieve your financial goals if you have better information.  We seek to make every client as self-reliant as possible.  This means having the ability to maximize the utility of your assets throughout your life and creating diverse asset classes to minimize your overall risk.

This was the motto of Sir Francis Drake.  It means: Great things come from small beginnings.  We chose this as our motto because we believe that no matter where you are in your wealth-building life, your future can be great.  To get there, you will need the best information and advice available.  Until recently, there were only a handful of news sources you could access.  Today, there are literally hundreds of news sources and each are fighting for your viewing time for advertising revenue.  The goal of each and every source is to have the largest available viewership.  This means that they do not know your particular circumstances and the advice they publish may be largely inapplicable to you.

Our approach is to craft a unique strategy that only fits you.  This strategy is adaptive, efficient and designed to be with you for your whole life.  We will work together in the years to come to make sure the plan continues to address what is most important to you and that it continues growing while minimizing the effects of wealth erosion.