| Philosophy |
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Our guiding philosophy is to provide a client-centered financial advisory practice that focuses on risk-adjusted growth, capital preservation and the ultimate transfer of wealth between generations. We seek to add value to the financial planning process by providing guidance in all areas of investments, retirement planning, insurance and estate planning. |
| Process |
Our initial meeting will focus on establishing the financial goals and objectives of each client. The next step would involve gathering and analyzing all relevant financial information to create a financial plan that addresses the goals and objectives that have been established. The final plan is then presented and an investment policy statement created outlining the role of the financial advisor and client in order to meet the goals established. Once agreed upon, the plan is then implemented with ongoing reviews. This is a fluid process where modifications can be made as client goals and objectives change or financial markets may dictate. |
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| People |
| David T. Morgan, Certified Financial Planner™ |
David Morgan is a third-generation financial advisor who believes that asset allocation and investor behavior influence a portfolio's likely return and have a direct correlation to an individual's chances of meeting his or her financial goals and objectives.
He also stresses the "four P's" of investment management - philosophy, process, people and performance - as well as the importance of having an investment policy statement, which is customized to each individual's personal situation.
David believes the investment policy statement is the backbone of any financial plan and a road map for the future, helping him guide clients confidently to their final financial destination. |
Howard J. Jordan, Certified Fiancial Planner™
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Howard Jordan believes that a person's opportunity for financial success is increased by taking advantage of knowledge that's all around - reading books on the topic, watching the "smart" shows on television and working with the right professionals.
He encourages his clients to have an investment policy statement for clarity when making financial decisions. He stresses the "four P's" of financial planning - philosophy, process, people and performance - as he helps each client develop a personal road map for financial success. |
Our team stresses the "four P's" of investment management – philosophy, process, people and performance – as well as the importance of having an investment policy statement, which is customized to each individual's personal situation. We believe the investment policy statement is the backbone of any financial plan and a road map for the future, helping guide our clients confidently to their final financial destination.
To learn more about David's and Howard's qualifications and how their team may be able to assist you in obtaining your personal financial goals, please "click here". |
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| Performance |
| Together we will design a financial plan and portfolio that is consistent with the financial goals and objectives reflected in your investment policy. Acknowledging that the financial markets often operate on emotion and not economic fundamentals, we commit to help manage your expectations and educate you on the current state of the financial markets and how your portfolio may be affected. We are dedicated to a service-based financial advisory practice where education is the cornerstone. While education may not reduce risk, it will make for an informed client. Empowering our clients with education allows them to approach financial decisions and associated risks with the confidence necessary to achieve a successful financial outcome. |
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Asset allocation does not guarantee a profit nor protect against loss. |
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