Our Process



"....four decades of experience have led me to the conclusion that surprise and change and the unexpected are the norm, not the unusual." - Jim Rothenberg 





Understanding and Listening

We listen carefully so that we can understand your needs, concerns, and goals and help you envision a plan that is personalized and works for you. 


Your trust in us is paramount to the success of your financial plan, therefore we promise to:

  • Perform with the highest ethical standards and integrity
  • Treat your investments with the utmost confidentiality
  • Provide consistent, prompt, and professional service
  • Listen carefully to questions, concerns, needs, and goals
  • Deliver customized solutions that fit your needs
  • Deliver timely information
  • Notify and explain how changing financial conditions affect you
  • Monitor your financial progress
  •   Make understanding investments and financial planning easier


Investing can be made complicated.  We believe that  intricate ideas and concepts can always be expressed in plain language.  We ensure you understand everything before we proceed.

Structured Investing

We utilize a structured and disciplined investment process. We believe in diversification to decrease risk and to help improve overall performance.  We create and manage personalized portfolios based on a structured process and decades of academic research.

Service and Monitor

Together we create a plan and goals that we can regularly and consistently update our strategy based on life changes, determine how your investments are  performing, and adjust our plan if necessary. 


We are independent financial advisors.  We are not concerned with meeting sales benchmarks or the sale of specific products.  Our advice is objective and we are impartial to any specific investment.  Our clients best  interest is our primary concern.  We utilize an open architecture system in creating portfolios and have a full range of investment options available.

Monitor and Manage Risks

All investing involves some sort of risk.  Our job is to assist you in determining your financial goals and developing strategies that eliminate or minimize these risk.  Determining and monitoring your own risk tolerance is critical to a successful financial plan.

*All Investing involves risk including the potential loss of principal. No investment strategy such as asset allocation can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.