How we work together

 

 

What's an investment supposed to do for you?

More than you think ... 

 

As opposed to the sales process, where you may not know where you are, understand the product sold, or how the two are even related, the below four (4) processes are ongoing throughout our relationship together.

Four processes are simultaneously applied to:

  • be more effective
  • provide discipline and structure
  • have an academic foundation.

 

These processes are based on

  • probability of what may happen vs. prediction of what may happen
  • foundation based on your standard of living for sustainability
  • process emphasis without product focus.

 

Everyone who works with a financial adviser gets investment management (some do this better than others). However, my job is to give you clear connections with what your investments can, and can not, do for you.

 

My website has two (2) homepages! The BTS homepage * goes into more detail for those who want to go deeper "Below the Surface."

The figure below summarizes my basic philosophy. To read more about both the processes and philosophy, please click on the BTS page for either. All the processes and philosophy work in unison together.

 

*Note - Tech tip: If a second window does not pop up and open, you may have a pop up blocker active. You may bypass a pop up blocker, anytime case by case, by holding down the shift key while clicking the link or icon you wish to open.

 

 

The important thing about an investment philosophy is that you have one. However, investing for investing sake is not a philosophy but an adhoc hope. The below four processes combine to provide a sound approach to life and living it to its fullest.

 

The Four Processes

 

  

 

Who I work with. 

 

In retirement, most of us spend more than we earn, reducing our savings, while during our working years we spend less than we earn, accumulating savings. In retirement we need systems that convert capital into income, ... while in our working years we need systems that convert income into capital.

- Meir Statman, What Investors Really Want, pg.103, McGraw Hill, 2011.