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My Mission

How I Work

I believe that there is essentially one binary question at retirement: is your money going to outlive you or are you going to outlive your money?

My mission is to help make sure you do not outlive your money in retirement. 

I do this by helping you establish your goals, plan, and portfolio.

My mission is not to "sell" you products. Rather, like a doctor, I am here to prescribe you the best course of action in order to help you pursue your most cherished financial objectives. I accomplish this by continuously working with you on your financial plan and seeking that your investment portfolio is always acting as a servant of your plan. I also work with you to help focus that your retirement income keeps pace with your spending and inflation. Without a plan, I fear most investors are doomed to running out of money in retirement. 

I pride myself on making this as simple and uncomplicated as possible. I look forward to working with you to plan your financial future.

Principles and practices

Our working relationship is guided by three main principles and carried out through three main practices.


  • Faith
  • Patience
  • Discipline


  • Asset allocation
  • Diversification
  • Rebalancing

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. 

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs. 

All investing involves risk including loss of principal. No strategy assures success or protects against loss. 

Optimism is the only realism.

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