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Money = Feelings

Ultimately, our goal is to help clients make better financial decisions to live a better life.

Client Centered

Our industry has always treated personal financial management as an intellectual, mathematical endeavor and yet almost every financial decision has a huge emotional component.  Most decisions are not made by the brain. They’re justified by the brain, but they’re made with the heart.  Whether you invest in the stock market or not, whether you work longer or not, whether you give away more money than you should, spend too much, or don’t spend at all, fear, concern, excitement, greed, worry, wishful thinking, and procrastination are all patterns rooted in feelings. Our value is in helping people grasp consequences when their feelings take over. It’s living in the space between rational choices and emotional reactions. 

Every single person experiences many once-in-a-lifetime events.  And everyone has blind spots, or biases, that cloud their judgement. The best laid financial plans can very quickly get derailed by emotions that get in the way. As advisors, our job is to help our clients prepare and adjust financially for their entire lives. 

Truthfully, our value is not in building a financial plan, but fixing and amending the plan unemotionally as life unfolds. Understanding clients and helping them optimize their choices objectively as life happens in unpredictable ways is the single biggest value we can provide to our clients:  to bring a disciplined process to financial life choices. Having the experience and understanding to help our clients course correct – and adjust to a new reality – is how we become indispensable. In the fog of an unexpected situation, our composed and caring guidance delivered personally can literally be life altering to a family that is feeling overwhelmed.

We’re all creatures of habit.  Computers might be able to track when you are off course, but they aren’t going to hold you accountable, manage the messy complexity of human application of ideas and ensure that you make the right decision.  That is something only humans can help other humans do.  It is where we work to be relevant in our clients’ lives. 

Emotional Quotient (EQ) or Emotional Intelligence is often an overlooked characteristic in an advisor compared to Intelligent Quotient (IQ), but it is why we are especially valuable.  Helping people see the consequences of their choices, getting them to understand when their biases might be clouding their judgement and guiding them in how they make trade-offs is important in our process.  More than anything, our clients expect a safe sounding board for the big financial decisions they are going to make.

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