LIGHTHOUSE FINANCIAL STRATEGIES
Guidance When You Need It.
Investment Philosophy
Our clients are overwhelmed by their choices. After all, in today's complex financial world, they have a spectrum of investment alternatives from which to choose – from individual securities to mutual funds to professional money managers. Many of them have little time to devote to managing their investment portfolios. We can help.
- We provide customized planning solutions that are tailored to fit each client's unique need and circumstance.
- We've made a commitment to excellence in everything we do. At all times, we work to meet – then exceed – our client's expectations.
- We serve as advocates for our clients, not for a big Wall Street firm or insurance company.
- We strive to anticipate client needs and solve problems before they arise.
- We are financial coaches, helping our clients manage the long-term decisions that ultimately determine the wealth they and their families may accumulate.
Collectively, these principles define our investment philosophy:
Investment success is usually the result of an unwavering commitment to a set of clearly defined investment principles, as well as developing a consistent long-term saving and investment plan and sticking to it.
Financial Planning provides direction and discipline.
It's just as important to reduce risk as it is to increase returns.
Pension protection and long-term care are important elements of the risk management process.
Asset allocation is the most effective way to manage risk. It also determines most of a portfolio's return over the long haul.
The strategies used to generate retirement income are entirely different than those used to accumulate wealth.
A goal without a plan and a date to achieve it is merely wishful thinking!
Our mission is to help families and small business owners get and stay financially healthy, by helping them create, understand, and monitor a plan to meet their unique needs and objectives.
Most people are so busy with work, family, and other interests, that they don't monitor their investments, optimize their tax strategies, evaluate their risk management to understand the best value for their insurance dollars, or just track progress toward meeting their goals often enough.
We often find that helping people prioritize their values, and more clearly understand their circumstances, with respect to their short and long-term goals, can allow them to make better and more meaningful decisions to address their needs and concerns.
We believe good financial management can be achieved by; understanding your financial position relative to future savings and inflation, balancing current versus future wants and needs, managing risks to your assets and income, and through stewardship of the resources within your control.
As independent financial advisors, we can access a large variety of products and services without any quotas that often create conflicts of interest with clients.
"Begin with the end in mind", as Stephen Covey says. Determine where you're going, and then how you'll get there. If you just wing it, you might not wind up where you want to be with no time left to change course!
Don't let lack of time, not knowing what to do, or procrastination keep you from meeting your goals. Leverage our time and expertise for your benefit!
Send forth your light and your truth, let them guide me. Psalms 43:3 NIV