Mike Takes A Stand

Mike doesn’t follow the path of most financial advisors whose approach is often shaped by their firm’s interests.  For thirty years he has helped people save time and money as they grapple with expensive educations, weddings, aging family members, inflation, taxes, divorce and health changes – each severe enough to increase the risk of running out of money.  His process, DYNAMIC MAPPING™, allows clients to really see and understand their risks and opportunities so we are able to collaboratively act on them.

 Essential points of view that distinguish Mike from other financial advisors:

1. Many advisors suggest that people should invest as institutions do.  Mike sees this as one size fits all advice.  Unlike institutions, people have special family situations, salaries that stop and lives that eventually end.
2. The basis for quality advice is the timing and importance of events that occur along a client’s time line, not some fuzzy notion of risk tolerance and simplistic asset allocation models used by so many financial advisors.
3. Determining the right investments is as much about the individual and planned events as it is about markets and investment strategy.  That’s where Mike’s experience and independence count most.

Independent thinking that can save you time, money and anguish.  Mike offers the following:

•  Bear markets should be managed as cyclical and likely events, not as surprise wealth and retirement destroyers.
•  Unplanned events like excess inflation, taxes, uncovered health care costs or family surprises can disrupt your life.  We help to establish reserves against such contingencies.
• Retirement is a risk shift.  Distributions without more contributions or time increase your risk of running out of money.
•  Risk transfer is used when it doesn’t pay to self-insure.
•  Funding that’s linked to the date of planned events reduces loss of principal risk.
•  Operational effectiveness, such as crossing taxable gains with losses and managing     distributions between taxable and retirement accounts, reduces tax costs and risk.
•  Out-of-date or unfinished wills and key documents can destroy wealth.
•  Legacy plans support family harmony and pride.
•  Many people complain that their advisors are out of touch.  We establish regular meetings and ongoing communications.
•  Does your existing financial advisory relationship stand up?  Let’s talk.