Our 5 Core Planning Principles

Throughout our 30+ years of financial planning, we have committed to principles that hold steady through the ups and downs of the stock market. We believe they are timeless and always relevant. While each of our advisors has a somewhat different style, we all strongly believe in the following five core planning principles:

1. Spend Less Than You Earn
We start with the basics. Whether you make thousands or hundreds of thousands, if you can spend less than you earn, you can save the excess for the future.

2. Avoid the Use of Debt
We understand that sometimes debt is necessary, but when you can get yourself to a position of not depending on it, we believe a positive effect will occur in many areas of your life.

3. Build Short-Term Reserves
Stuff happens. Prepare for life’s twists and turns because they are bound to happen and when they do, having the funds to cover the expense can be very relieving.

4. Set Long-Term Goals
When you have decided on your goals and purpose, you can then guide your everyday decision-making through that lens.

5. Be a Good Steward
We have been called to be managers of everything that has been entrusted to us. It is our responsibility to take good care of and be generous with what we have been given.