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FAQs

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My CPA does a lot of this already. Why would I need you?


Many of our clients already have a CPA. (Even Rick has a CPA!) They are good at reporting history. What already has been done. Looking at how much income you’ve made, and hopefully paying as little in taxes as possible. CPAs aren't meant make you money, and their primary purpose isn't to create wealth. They exist so that you pay less in taxes. (Some of our clients have realized that their CPA doesn’t even do that.) Our job is to make your portfolio grow. A CPA's job is to minimize the amount of taxable income you generate. Put those two positions together, and you have a dream team. That is called teamwork. Imagine what your net worth can be if you had that combination.




What's your track record?


Good question since we are investment & wealth managers. As a result, you might feel the only service offered by us is some magical ability to mass-produce rates of return better than you can find on your own. But that’s not what we’re all about. We have easily 100+ different portfolios, because we're the advisor to that number of client families and households--each geared to the client’s circumstances, personal goals and emotional state of mind. That must mean we have something like 100+ different “track records”. And we can’t tell you what they are because we don’t have them memorized. But we do know that we're pleased with all 100+ because each client understands that their portfolio is geared towards their own unique situation, and not some cookie-cutter operation. What’s more, they also understand that the most important factor in their portfolio’s success is their behavior while the markets do their thing...not some superpower investment selection.




How do you know when it’s the right time to be in or out of the market?


We don’t know that, and we're glad you brought that up because no one else does, either. Those who recognize this are already one step ahead! Nobody can consistently time the market successfully. Imagine trying to stake claim to a skill that’s virtually impossible! Read any of Warren Buffet’s annual reports and he’ll gladly tell you he can’t time the market, and never tries.




You are a solo-advisor ... how do you compare with the "big" companies?


When people learned that Rick was a solo-advisor, they ran away from their company and came to us! They were tired of the stale, bland experience with the "big" companies. They didn't feel cared for. They were sick of CYA advice that was so neutral it left them more dazed and confused. They felt relief being away from that sales-quota atmosphere. We like to treat clients like family, and not like a filing cabinet.




I already have an investment advisor, so why should I work with you?


This is good to know because the most successful people are not do-it-yourselfers. Additionally did you know that the average wealthy individual has more than one advisor? (Just like many world champion athletes have several coaches.) And do you know how wealthy people increase their wealth? They hedge, and diversify. Not only with their assets…they also do that with their advisors. For example: What if you could bounce your advisor's ideas off of us, and get our opinion. Objectively. And then with the ideas we give you, we hope you would run them by your advisor as well! This is how the wealthy stay a step ahead. It’s like having a dream team. You now have TWO highly qualified people working for you—not just one. No single advisor has all of the answers, and you want as many options as possible.




Can you show me some of the results from your clients?


No. Most top advisors are not going to do that, anwyay. We wouldn’t want another professional to talk to someone else about our stuff...would you? A doctor is not going to share with the world how he cured someone else’s private health matter, right? Would you want us to tell the whole world what we did for you? Most high net worth people don’t want that type of information plastered around.




Shouldn't I wait until the market corrects before I begin/before I invest?


The markets may be at all-time highs, however remember this: All-time highs have historically always been replaced by new all-time highs. Anyone who says they are going to time the bottom, will get caught in this trap. So many people we know waited, waited, waited. And either one of two things happened: The market continued to go up even higher, or it went down lower. And should it go even lower, how will you feel about investing then? Optimistic, or pessimistic? When markets go lower, odds are you will feel scared to get in then too. So you need to get away from timing the market, and instead take action for yourself. (Past performance does not guarantee future results.) Investors waste far too much time trying to find the perfect timing for their investments. That perfect timing is only known with the benefit of the rear-view mirror. You’re far better off putting your money to work when you have some money to put to work and letting compound interest make up for any ill-timed purchases.