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Investment Management

With the investment industry's reputation of being complicated and full of jargon, I pride myself on my ability to clearly explain and present complicated financial topics to clients in my meetings.  I make sure the topics are explained in a way that is simple and fun, however I can then make the education as high level or as technical as the client has a desire for.  

As an Accredited Investment Fiduciary and a Certified Financial Planner I only provide objective investment advice that is in the best interest of my clients.  I believe the starting point of any investment strategy should be dictated by the time frame and risk tolerance of the investor.  Many Financial Advisors just manage money, but my management style is always done with the end in mind.  This helps avoid disastrous market conditions when money is needed to fund retirement or a client’s other financial goal. 

When it comes to the investments I manage for my clients, I have a diligent screening process for selecting individual securities, mutual funds, ETFs, and third party money managers. From time to time, accounts may hold significant levels of cash reserves, or bonds when my analysts and technical indicators are of the opinion that a declining market cycle is probable. 

As a fee based financial planner, most of my accounts are managed as a fee based arrangement instead of a commission.  The cost to have my firm manage an account typically ranges between 1-1.65%/year (depending on the size of the account).  If a client invests greater than $100,000 with my firm, they will also receive full access to the investor's personal website that we provide to our planning clients. 

Investments Offered:

  • Bonds
  • Common Stocks
  • Mutual Funds
  • ETFs
  • College Savings Accounts
  • Traditional IRAs
  • Roth IRAs
  • Brokerage Accounts
  • Government Securities
  • Fixed and Variable Annuities
  • Alternative Investments (REITS, BDCs, Etc...)
  • Company Sponsored Retirement Plans

The 3 Principles For Successful Investing

There are 3 principles that must be followed in order to be a successful investor.  These principles are:

  • Discover the time frame and level of risk you are willing to assume for each account.
  • Invest your money as best as you can for each account (based on your time frame and risk level)
  • Stay invested as the markets fluctuate to avoid buying high and selling low (leave the buying and selling to a professional with a disciplined strategy)

Our mission is to add value to our clients by partnering with them to pursue these 3 principles and help increase their chances of reaching their goals.  Through our partnership I also add a strategic planning approach with my experience and knowledge as a Certified Financial PlannerTM Practitioner.  We also provide regular review meetings to reassess our client's risk, time frame, and investment performance for their accounts. 

In addition to these services, our clients feel more comfortable by having a team of professionals who can make their life simpler by assisting them with all of their account service needs. Lastly when times get difficult in the market, my clients feel reassured that they can talk to an advisor who is personally and financially invested in their success.  

How We Determine The Risk Level Of Our Clients



Humans look at risk and reward in the context of their own personal financial position.  We all look at risk differently, based on our varying life experiences and financial position.

We feel this risk management questionnaire is the first-ever way to objectively pinpoint individual investor risk tolerance.  The Riskalyze Risk Questionnaire process was built upon decades worth of behavioral economic work including but not limited to the academic framework called "Prospect Theory" that won the Nobel Prize for Economics in 2002.

The "Risk Number" is a proprietary scaled index developed by Riskalyze to reflect a risk score for both an investor's unique fingerprint or for a particular portfolio of investments.  Shaped like a speed limit sign, a higher Risk Number means a higher level of risk and potential return. 

The Risk Number is a single-dimension variable designed to approximate the relative risk between people or portfolios.  Thus, a "45" portfolio generally has more risk than a "40."

One of the most important drivers of the Risk Number is the measurement of downside risk: Riskalyze measures the probability of the investor's downside risk tolerance using a statistical model and standard deviations to keep the investor's risk range within 2 standard deviations (95% probability of success).  The Investor's current portfolio and potential portfolio are then run through the model to match up the correct level of risk of the portfolio to the correct level of risk the investor is willing to assume. 

Here are a few examples of the relationship between downside risk and risk number:

  • Downside of -2%: Low 20s
  • Downside of -5%: Low 30s
  • Downside of -7%: Low 40s
  • Downside of -12%: Low 60s
  • Downside of -18%: Low 80s

Before the market crash of 2008 many investors had no idea about the level of risk they were taking on in their accounts, and I see that investors today still have no idea how much risk is really lurking in their portfolios.  If you are curious about how much risk you are willing to take and how much risk your are currently taking in your portfolio, then take the free risk analysis evaluation below.  It just takes a few minutes and it could save you lots of potential anxiety and losses in your portfolio in the future.


Interested In Connecting With Us But You Don't Live In The Sacramento Area?

Not a problem!  With the help of Citrix GoToMeeting we can hold live meetings via the phone, computer, or tablet from anywhere in the world.  My long distance clients and clients who travel a lot love the ease of working with me from all over the globe.  We can also take care of other logistics like paperwork via email, mail or fax.  Click here to see how easy it is to partner with us using these tools. 

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