FINANCIAL PLANNING SERVICES & MONEY MANAGEMENT

FINANCIAL PLANNING SERVICES

MONEY MANAGEMENT

I am a long-term value investor buying stocks when they appear to be undervalued and selling them when they appear to have fulfilled their promise. Accounts are managed based on an overall idea appropriate to current or expected circumstances. An example would be when coming out of a recession the focus would be on recovery and those areas that seem likely to benefit from the expected trend. Reasonable diversification is always a concern while adherence to rigid systems of asset allocation is not. Two questions are always asked regarding potential investments:

1. Does this investment make sense?

2. Does this investment make sense for this client?

In response to people who have asked for a more aggressive strategy while still maintaining my dedication to sensible investing, I have added a new style: The ETF Rotation System. Exchange Traded Funds have been in our portfolios for the past few years. They are a very inexpensive way to replicate a varied array of indexes with great marketability as a result of trading on the exchanges. I have created my own list of ETFs with the goal of profiting from all market conditions by following the trends that develop as market conditions change.