Advice
A written plan for how to split your money.
We start from your goal and how much the account can move. Then we write the mix of stocks and bonds, and the rules for when to change it.
What you get
A short memo: the target mix, what each part is for, and what we will not do. You keep the memo. We review it when your life or the plan changes.
Who it is for
Households that want one written plan. Advisors who want another look at a client's portfolio. Companies that have cash they will not need this year and want a simple default plan.
Goal first
We name the job of the money — spend, hold, or grow — before we pick a mix.
In writing
If it is not on the page, it is not the plan. If we only said it out loud, it does not count.
Fees in view
Advice fees and portfolio fees are listed before you start. No invented track records on this site.
Contact
Ask for a written plan.
Say what the money is for. We will tell you if we can help.