1. We believe that financial markets are efficient and will teach this concept as the basis of management of your investment portfolios. As such, we will refrain from recommending any strategies that involve any variations of stock picking, market timing or reliance on past performance of an investment.
2. In addition to our regular one-on-one meetings, we will provide regular education seminars and workshops to help keep you informed regarding topics related to your financial well being.
3. We will care for you and your family’s financial future as we do our own, because we realize that your goals and dreams are every bit as important to you as ours are to us.
4. We vow to take the time necessary to listen and provide the professional guidance needed to help you maintain the course toward the attainment of your goals – especially in the most difficult of economic times.
5. We know and recognize that we do not know it all. In the event that we are not able to adequately advise you due to a lack of expertise in a given area (i.e. legal issues, etc.) we will immediately inform you and refer you, if you desire, to other competent professionals in the appropriate area.
6. We plan to give you our opinion about what you should do even when you may not want to hear it, and will recommend that you do nothing when we believe doing nothing is in your best interest.
7. We will make ourselves available for regular ongoing meetings to help you keep your plan on track and will be readily accessible for any phone consultations that you require. We would much rather have you call us to tell us what you are thinking about doing rather than having you call to tell us what you have already done.
8. We will remind you that poor economic news is inevitable, and at times, will cause your portfolio to lose value. We commit to coach you through such times, emphasizing our shared belief system and using education to keep you on the right track. We will remind you that you must be willing to experience temporary declines in value in a portfolio designed to outpace inflation.