• WHAT WE'RE ALL ABOUT

  •  

    YOU

  •  

    At our next meeting together, we want the focus to be on you and what you're all about.

     

    Still, you probably want to know what we’re all about too. So here we go!

     

    First, if you are a family, a leader, or a business owner fiercely pursuing your greatest potential, we're all about you--we're FOR you.

    ​

    We'd like you to know:

    We're FOR Purpose

    We're FOR Family

    We're here for you FOR Generations

  • mission

    MOBILIZE WEALTH FOR

    PRICELESS PURPOSES

    vision

    GENERATIONS OF

    FLOURISHING FAMILY

    values

    WISDOM
    SIMPLICITY
    GENEROSITY
    GROWTH

  • Next, let's define "Investment Strategy," "Financial Planning," and "Wealth Management."

    Investment Strategy

    Allocating, monitoring, and strategically updating investments to be in alignment with your specific capital accumulation goals and time horizon within a personally customized risk tolerance.

    (basically, choosing and implementing specific investments to achieve your goals)

    Financial Planning

    The ongoing process of making financial decisions and executing strategies that help you achieve your life goals based on your purpose and your family’s purpose. This includes the key elements of savings, debt, financial independence (retirement), taxes, insurance, legal documents, charitable giving, and more.

    (essentially, all the other financial decisions besides investment strategy)

    Wealth Management

    An integrated, proactive, and perpetual system of Financial Planning + Investment Strategy (in that order).

  • Also, let's have the "Retirement" talk.

     

    We use a different term to describe the traditional "retirement." We prefer "Financial Independence." Here's why:

     

    Retirement at age 65 is an artificial finish line that may no longer fit our time. Growing old with lots of money is no longer the goal. Dying rich can’t compete with living rich, and making a living doesn’t measure up to making a life.

     

    When the idea of retirement was born, people traded physical labor for a paycheck—and it was a practical necessity for people to retire. As a knowledge-based economy, our intellectual capital, experiential capital, and relational capital are traded for income. Because of this, we often hear that the idea of 100% "retirement" does not sound appealing and might even be unnecessary.

     

    Further, we believe your full potential--your purpose--may be embedded deeply into your best work, which would make "retirement" unfilling. Or, on the flipside, your purpose may require a completely different kind of contribution than your current work, which means you need "Financial Independence," and you may want to strive for this much sooner than the typical "retirement" age.

     

    Now, you may still see or hear the word “Retirement” in our materials or in our conversations because that’s the word the world uses. But please know that we believe Financial Independence offers so much more than Retirement.

     

    One last thing. Most professional advisors talk about how they’ll help you plan for Financial Independence (retirement). That's our plan too. Even further than that, we have big goals to be around for a long time which means we plan to be here to see you to and through your Financial Independence years. That's why we say "we're here for you for generations."

  • Next, you should know how we approach investments.

    Our team designs and implements investment strategies in alignment with:

    • your purpose for the investment account(s)
    • the time horizon until you will most likely need the funds
    • your risk capacity for each investment purpose

     

    We use a Globally Diversified approach to market-based investment allocation, and depending on your investment account sizes, we implement the ideal allocation for global diversification and cost efficiency using:

    • individual stocks and bonds
    • ultra-low-cost ETFs
    • mutual funds
    • or a combination of these investment vehicles

    To further mitigate risk, hedge against market downturns, and potentially enhance portfolio returns, we may recommend various Portfolio Diversifying Investments which include many private sectors uncorrelated to the public market.

     

    Mixing market-based securities with Portfolio Diversifying Investments is traditionally referred to as the “Endowment Model of Investing,” used by large, long-standing institutions such as Yale and Harvard.

  • There are material differences between the terms under which endowments and individuals can invest in alternative investments. These differences include but are not limited to commissions and fees, conflicts of interest, access to investment opportunities, size, investment time horizons, and the ability to tolerate illiquidity. There is no standard or exact definition of the endowment model. Portfolio design, specific investments and ultimately performance vary considerably among endowments and investors.

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