We offer a team approach to financial planning, offering you a broader scope of expertise than you will likely find in any one person. Clients are our main priority, which is why we work to understand your unique circumstances and ultimately create a distinctive plan that provides a roadmap for your financial journey.
Thank you for referring to my website. The links and resources available were chosen because they best fit our current clientele and are useful to those who share a similar approach to planning and investment. Feel free to take a look around using the navigation to the left, and note the most useful resources that you may wish to bookmark. It is updated regularly.
I also wish to use this site to spell out our team's outlook and general approach for the benefit of veteran, new and potential clients.
As a CERTIFIED FINANCIAL PLANNER™ I have training in and work actively to keep up-to-date on all the major aspects of financial planning, including retirement planning, estate planning, tax planning, insurance planning, investments and cash management. Working with a full-service brokerage firm and a dedicated service team, I have the resources behind me to effectively advise on and assist with many other financial services as well. To the extent desired by each individual client, my aim is to be available as the primary financial advisor, taking an educated bird's-eye view and working closely with any family and employees as well as with any specialists – accountants, estate attorneys, etc. – that the situation requires.
The primary focuses of this practice are:
On the investment side, we offer a personalized investment strategy, not a generic investment program. We start with the time-tested investing principles – collecting information about a client's overall financial situation, understanding a client's risk tolerance, setting growth and income goals, choosing an appropriate asset allocation and filling out that asset allocation with diversified investments that meet our agreed upon parameters and goals. Then we monitor the plan and review it regularly, usually in writing, recommending changes as necessary in response to changing circumstances. We offer this approach and service level to every client and every participant in pension plans we advise on. We firmly believe this approach provides the best potential for investment success and, as importantly, peace of mind.
A unique feature of this practice is our high level of communication. We use letters, email, telephone and, for a couple of our best investment strategies, quarterly newsletters to let you know we have an eye on your portfolio and wish to keep you informed on whether portfolio goals are being met.
We are not for everyone. We are investors, not speculators – except when speculation is just one component of a larger, more dependable plan to meet portfolio goals. We resist making big, dangerous portfolio bets based on any grand forecast of the future, even our own. We do not rely on market timing or other investment gimmicks. Instead, we recognize that the future is unknown and rely on time-tested tools and strategies to help maneuver through the good times and the bad.
We firmly believe that the free market economic system offers a level of prosperity unapproachable by any sort of central planning and is the only system compatible with individual freedom. We take great satisfaction in watching wealth created – and enjoyed – by people succeeding in their life goals, freely chosen. Of course, freedom necessarily comes with a responsibility to plan and make decisions for oneself. We take this personal responsibility very seriously and appreciate the opportunity to assist you in any way we can.
Philip Blumel, CFP®