Gain complete understanding of your most important financial goals – what, and who, you're investing for.

Figure out how much money you're going to need, and when.

Help you plan how much you should save and invest.

Determine what kinds of investments are most likely to produce the returns you need to achieve your goals.

Help you stay on track through all the fads and fears of an investing lifetime. In the long run, this is the most important thing we will do for you.

Forecast the economy. No one can. We agree with the famous economist who said “economic forecasting exists to make astrology more respectable.”

Time the markets. No one can.

Predict which funds or ETFs are about to outperform their peers. No one can.

The progression is; identify your goals, establish your plan, then – and only then – create your portfolio.

Your portfolio is always dictated by your plan, rather than by an economic or market outlook.