OUR PHILOSOPHY
Just as we choose a destination before embarking on a journey, we must have a clear purpose for what we wish to accomplish with our money.
Money has no purpose until we earmark it for a goal. Once we establish a comfortable emergency reserve and see to our basic security needs, we need to give the rest of our money its marching orders. Please do not waste your precious, irreplaceable time with idle money.
Give your money purpose today.
PLANT YOUR MAGIC BEANS
“Plant your magic beans” is a true story about beans that were planted in a very wrong place. It why Martha is now a financial advisor.
TEN COMMITMENTS
I am here for you…
As you articulate goals.
Together, we will find your money’s purpose and put it to work for you. The form of the investment will follow the function of the money.
When friends share
advice that seems a little off. Well-meaning co-workers may think they have an inside scoop but taking their advice may be every bit as harmful as taking their prescription medication.
As you chart a path
into the future. Investing is a recipe with only three ingredients: Money, Time and Knowledge. Time is irreplaceable. We will help you strike a balance, so you will neither waste precious time nor act in haste.
When “infotainers” rattle you.
Commercial radio personalities are called “shock jocks” for a reason. We may not tell you what you want to hear, but we will always tell you what you need to know.
When smooth-talking salesmen invite
you to a seminar. Investments that look too good to be true almost always are. Anyone rushing you into a decision probably has his own interests ahead of yours. Our only interest is your best interest.
When the market freaks you out.
The market is a force as uncontrollable as the oceans and the wind. We all ride the same waves. When the gale blows, wouldn’t you prefer to be inside a Coast Guard cutter, rather than on a rubber raft?
When you are paralyzed
by fear or as bold as brass. Risk and return are correlated but taking a risk does not necessarily cause a return. Together we will decide which risks you can afford to take.
When paperwork overwhelms
you. None of us likes paperwork, but we do it well. We will persevere so you can get every dollar to which you are entitled.
When an investment disappoints
you. Not every worthwhile investment strategy works all the time. We will use our experience to guide you, so you’ll know when to stand your ground and when to retreat.
When the worst thing
that you can imagine happens to you, because that is when you will need us most. We will use our knowledge and skills for you and your family as if they were our own family.
WHO WE HELP
Whether you are a governmental employee trying to figure out which rules apply to your benefits, someone working for a private employer without a user-friendly benefits function, or a socially conscious person looking for investments to match your values, we can help.
We are licensed to work on a fee-for-service, hourly, or commission basis. Talk truly is cheap, because the initial one-hour consultation is free.