Philosophy

We believe that we are better off when we align our spending with our values and make conscious financial decisions. So we work with you to identify opportunities to improve your cash flow and to use your money in ways that align with your values.

 

We also believe that many in the financial industry talk over clients and attempt to make things more complicated than they need to be. So we listen to you and make financial matters less intimidating so that you can make good, understandable financial decisions.

 

We also believe that efficient financial markets provide a tradeoff between returns and risk. Studies have consistently shown that people who actively manage funds cannot consistently beat overall market returns, so we don’t try. Instead, we understand the risks and help you align your investments for when you are going to need them. In financial jargon (which we try to avoid—call us out if we don’t!) that means that we need to make sure you have the appropriate allocation (the different types of investments) in the appropriate location (i.e. your 401(k), IRA, personal savings account, investment account, etc.).

  

Further, we believe that money is only a tool. Like every other tool, it has a purpose and use but it can also be misused causing less efficient outcomes. When we work together, we will come up with a plan that is Sustainable, Holistic, Aligned with your values, Personalized and Efficient.

 

Email me so that we can start getting that plan into SHAPE.