We know how to avoid mistakes that can derail your financial plans;

We know what critical behaviors are needed for financial progress;

We know where to focus in order to change your trajectory.


The three clauses above help tell the story of our firm. So much of what we write about here relates directly to curating, distilling the valuable from the useless. The elements contained in these statements connect your money to your actions, and ultimately to your goals. Over the next three weeks, we will focus our gaze on one of these clauses each week, starting today with how.

Over the years, we have had the opportunity to work with an enormous array of successful individuals from all walks of life who come here seeking help. Perhaps a reasonable composite of these hundreds of individuals might be a couple in their mid 50’s, that previously made financial decisions in a mostly haphazard manner. With few exceptions, individuals come here after making numerous financial/investment mistakes. They have been hampered and held back by these mistakes and want to avoid serious blunders as they move forward.

Most financial mistakes are not lifestyle threatening, but some can rise to that level. I have seen accomplished, grown men cry in our office as they describe the series of mistakes they have made, sometimes one on top of another. It is unrealistic to expect there will be no blunders of any kind, but you want to steer clear of the mistakes that can have serious, long lasting implications.


With our deep and broad experience, we know how to keep you away from the danger zone. Our financial planning process provides a set of “guardrails” so that you can avoid drifting too far away from the intended course. I recently purchased a new car and the changes in technology over the past few years is impressive. Among these new features is a steering wheel that vibrates slightly if you drift into the adjoining lane. Of course, the street where our office is located, (Devine Street), is fairly tight when cars are parked along the side. I often move over towards the edge of the lane and the steering wheel vibrates to let me know. Slightly annoying, but probably valuable in many instances and a “guardrail” of sorts.

By keeping our clients out of dangerous territory, we avoid the “two steps forward, one step backwards” approach. Good golfers know that simply keeping the ball in the middle of the fairway, (instead of going from side to side), is often the key to winning golf matches.

Many financial mistakes originate with impulses, a momentary or short-term oriented emotion that creates a strong desire to act. Sometimes we write the phrase “Don’t Do That” on our conference room glass board to drive home the importance of resisting these impulses. We know how to help you stay on course and out of the rough. Ready for a real conversation?

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