Beliefs & Strategy


My Beliefs

My commitment to you is that your stock market risk management advice will be honest and straightforward and in your best interest. I take the personal pressure off you by taking the responsibility to watch your Investment assets and to be accountable for the results with the goal to grow and preserve the value of your retirement plan.

Retirement Planning Approach

  • I believe a comprehensive assessment of your complete investment story critical to developing a realistic retirement strategy.
  • I believe you should benefit from a diverse range of investment options with a comprehensive individual retirement strategy.
  • I believe regardless of what's happening in the market, you don't have to take excessive risks to work toward your long-term goals.

Investment Selection

  • I believe the investment manager for you retirement assets should have a well established reputation for putting shareholders first.
  • I believe that only investments with consistent long term results belong in your retirement portfolio.
  • I believe selecting investments that are managed to help withstand market declines is one of the critical components of progressive retirement investing.

Commitment to Ongoing Service

  • I can conduct regular meetings to personally discuss your investments.
  • I can help you create a retirement income strategy designed to help your nest egg last throughout retirement.
  • I can review with you changes in the rules and regulations surrounding IRA and 401k's including beneficiary designations.

All Investing involves risk including the potential loss of principal. No investment strategy such as asset allocation can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.


My Strategy

More than invest your money.

Other advisory firms may simply invest your money. I look to find income and estate tax savings, strive to maximize your benefits at work, and help ensure you're not paying too much for the insurance you need. I also help to ensure your mortgage and other liabilities are working for you and help assure you are using the right types of loans efficiently. Over a lifetime, these efficiencies may make of thousands of dollars difference to you. The support here may help you achieve your goals and objectives more quickly and easily.

A sound investment strategy.
I believe my primary strength is the ability to help clients manage their stock market risk. I  utilize quantitative analytics to rank and personalize your investment choices to your own objectives and risk number.  Computer models and research data bases  are used to monitor, and, determine when it's appropriate to modify your investment decisions.  I provide easy-to-understand, specific advice regarding your investment options and allocations. You will understand why we are making a recommendation, when to execute on it, and how it may affect your portfolio.

I don't rely on predictions, or theory's...we will allocate  based on "what is". 


By combining trend identification and high-performance portfolio selection, our Fact-Based Investing strategy gives us what I believe to be the best chance of achieving our twin goals:

•To prosper in Bulls, and

• To be protected from Bears.

Independent Financial Planner.
What may be unlike captive advisors at banks, brokerage firms, and insurance companies, I look to utilize my independent status to your advantage. Our firm, Focus Financial, is one of the nation's largest non-proprietary, independent advisory firms with more than $3 billion in assets under management. We capitalize on this to deliver the resources and stability of a large firm, with the flexibility and responsiveness of a small firm.

Experience and expertise.
I have been an advisor since 1987 and have years of perspective and experience, I am familiar with the financial issues you face. No matter how difficult or complicated, I can add the perspective of helping others with circumstances that may me similar to yours.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. While a stop order is designed to limit an investor's loss on a security, this strategy cannot guarantee a profit or protect against loss in a declining market.