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Our Philosophy

Your Circle of Wealth

If what you thought to be true about your money turned out not to be true, when would you want to know?

This is a question we frequently ask our clients. Families today face major challenges in reaching their full financial potential. Over the years, economic conditions have vastly changed the rules; meaning conventional financial advice is no longer working. We believe it’s critical for clients to understand how money really works.

Many people don’t realize that the accumulation and distribution of wealth are very different phases. Before you retire, it’s critical to determine how you will maintain your assets in a tax-efficient manner and without taking unnecessary risks. Through our comprehensive process and implementation of Your Circle of Wealth philosophy, we believe we can help you better understand how money works and determine opportunities for building your wealth without undo risk.

When planning for retirement, we believe there is more value in avoiding losses than occasionally picking winners. Through our wealth management strategies and financial planning process, we aim to limit the amount of risk, find opportunities to legally mitigate or eliminate certain taxes, and help you create a steady income stream.

According to conventional wisdom, in order to build wealth you should focus on earning higher rates of return (which often requires more risk), save money by reducing your current lifestyle, and maximize your contributions to Qualified Retirement Plans. However, ‘conventional wisdom’ doesn’t often result in an independent retirement or accumulated wealth.

While higher returns can increase your wealth, focusing on the rate of return won’t always produce the desired result. By focusing entirely on rates of return, you could be taking unnecessary risk. This can be particularly detrimental for those approaching and planning for retirement.