who we serve

hoW we help

Simple Life Financial

We work with you to create a realistic and implementable plan to realize your dreams, especially the day you will head home from your job for the last time and begin your new life.

We set up automatic investment strategies to cement good saving and investing habits into an overall lifestyle.

We identify and document your financial goals so you have a clear idea what you're working towards.

We provide simple, transparent, and easy-to-understand pricing plans with no long-term commitment.

We act as a friend and coach to help you streamline your financial affairs, and we remain by your side to ensure your plan remains on track.

We put your interests ahead of our own and avoid conflicts of interest at all costs.

Behavioral Coaching

Surprise! The greatest challenge we have with our finances actually involves overcoming behavioral biases that cause us to engage in self-destructive behavior. We're all familiar with the term "buy low and sell high", but the reality is, we rarely manage to do it.

I've developed a number of carefully-crafted tactics for recognizing, confronting, and meticulously avoiding these “mind traps”. As your advisor, I will train and coach you in applying these tactics in your everyday financial decisions.

Asset Allocation and Rebalancing

What seems safe to one person can feel very risky to another. Investments work the same way. Some investments produce a high rate of return but can also move up and down in price more frequently and dramatically. Some people can tolerate the excitement, but others wake up at night and worry about it.

I follow a disciplined strategy of matching investments to your personal investing style. This involves allocation, the initial selection of appropriate investments, and rebalancing or making periodic adjustments as conditions change.

Selecting Investments

A bewildering array of potential options are available in today's market and it's sometimes difficult to tell which are truly high-quality investments.

I constantly monitor the investment landscape and stay abreast of the best offerings so you have more time and energy for what you love to do.

Minimizing Fund and Trading Fees

Any time you buy a mutual fund (or almost any other investment), the company that sells it to you keeps a portion of your return for themselves. Some take more and some take less. And here's the key: the more they take, the less you get to keep for yourself.

I specialize in identifying world-class investments with very low expenses.

Efficient Cash Flow Management

The trip your money takes from your paycheck to your investment account is often a long and arduous one. And this is one reason so little of your money ends up being saved. To make matters worse, when money actually does end up in an investment account, it often earns very low rates until someone grabs it and does something with it.

Managing cash efficiently is one of my specialties.

I serve a small but growing niche of savers and investors who want to achieve financial independence before traditional retirement age. Most have well-paying jobs, are very successful in their careers, but still look forward to the day when they can spend their time doing what they want vs. what they have to do to make a living.

What is Financial Independence?

Put simply, financial independence is having enough money in your investment portfolio to fund your daily living expenses without having to have a job or a regular paycheck.

How is Financial Independence Different from Retirement?

My typical client has no plans to retire in the traditional sense. Retirement suggests a life of relaxation and luxury. While all of my clients appreciate down time, they are usually too busy pursuing their passions to take advantage of it more than occasionally. Retirement suggests investing less energy.

Financial independence is investing more energy in the things you love.

Does this sound like you?

  • You dislike your job but can't leave it because you're good at it and it pays you well. Other jobs seem more appealing, but they pay less.

  • You are a hard worker but you sometimes feel owned by your employer.

  • You put in long hours at work and often feel like you don't get enough opportunity to pursue your other passions.

  • You have many interests outside of your professional life and can easily name a handful of things you would immediately jump into if you didn't have to work.

  • You could probably live on less money than you're spending now and could be convinced to do so if you could stop working earlier.

  • If you could live off the proceeds of your investments, you would gladly quit your job, take a lower-paying but more meaningful job, or spend more time on your volunteer work.

Does this sound familiar?

  • You have a good deal of money saved up but you're not sure how much you actually need to check out of the rat race.

  • You've been a diligent saver but you're not sure you're getting as much return as you should on the money you've saved.

  • There are a number of things you've been considering doing with your money but are not sure how to proceed in a number of areas.

  • You've changed jobs a couple of times, opened a number of investment accounts for various reasons, and your finances could use some streamlining.

  • You're not against hiring someone to help you, but financial services firms don't have a great reputation and seem to cost more than they should.