Our business and personal philosophy are goals-based planning, it enables our clients to measure themselves relative to their goals rather than focusing on beating a particular market index. Given that goals can be modified, this allows our clients to focus on what is actually important to them achieving their goals. By keeping this in mind we can diminish the risk of clients losing their retirement savings. Our priority for our client is safety, preservation of assets and dependable income.
 

Why I Transitioned to a Goal-Base Planning Business

My career started in the early 80’s in the commodities exchange business, working with affluent clients and their money. My start was a few months before the Hunt brothers’ unsuccessful attempt to corner the silver market, the Hunt brothers attempt had cost the price of silver to go from roughly $50/oz. to $10/oz., a loss of more than 50%.  This late March in 1980 came to be known as  “Silver Thursday” that caused the precious metal market crash. Their obligations had grown so large (To BIG TO FAIL) that the government forced the banks to issue the Hunts credit so that widespread failures could be prevented. Sound familiar?

On the next market run, my clients were at the beginning of the most spectacular stock bull market. It started in 1982 fueled by a supercharged business environment that included hostile takeovers, leveraged buyouts, and market mania, the stock index nearly double from 1986 until the stock market crash on Monday October 19th, 1987, an avalanche of very aggressive  “sell” orders hit the market as investors began to panic which triggered additional “sell” orders. By the end of the day, this came to be known as the largest one-day market crash in history, also known as "Black Monday”. The Dow lost an incredible 22.6% of its value. In both these markets runs and crashes, my very affluent clients made and lost a lot of money; some never to recuperate their losses.

I was devastated for my clients and what they had gone through and felt that if I was to stay in this business and help my clients , I needed to understand my client’s goals better and represent my clients in a more holistic approach to investing and retirement planning. This gave me the clarity to shift what I was doing and to help clients achieve set manageable goals by putting a plan together for retirement that would focus on what is actually important to them and invest accordingly to a goal base plan and their risk tolerance. This would be measured every six months to a year.

Since those early days, our focus has not swayed. Over the last 30 years, we have seen stock market crashes, economic bubbles and financial crisis (including Enron, the mid-2000's housing bubble, and the stock market crash of 2008). Our clients have felt secure during these crashes while under our fixed insurance products and management approach. We have helped hundreds of retirees achieve a peaceful and uneventful retirement with safety, preservation of assets and dependable income. There could be more stock bubbles and crashes in the future, but we know that by staying focus on our client’s needs and goals their financial future will be safe.
 

Focus & Purpose

Our focus is on proactive planning for a safe and secure future.

Our primary purpose is not to offer products, it's to work with our clients through a review process that helps them learn to plan for their financial future, prevent unnecessary risk and become comfortable making the eventual decisions that will protect their assets and move them closer to a safe retirement strategy.

Our approach simply is keeping the three “P"s in mind when we are working with our clients: PLAN-PREVENT-PROTECT.