I've Been Helping Families Make Smart Choices About Their Retirement Since 1989 (and training Advisors to do the same).1) COUNTER-CULTURALMuch of the way I conduct my business can be described as going upstream against the financial industry. From my investment philosophy (being goal-focused and long-term oriented in an industry that will always be market-focused and short-term performance-driven); to the way I charge fees (low-cost for you takes precedence over my income); and to my investment philosophy (historically defensible, broadly diversified mutual funds vs the current "hot" du jour investment of the moment).2) DO WHAT'S RIGHTThis has been my guiding philosophy since I started in this industry in 1989.When I sit with a client I ask myself, "What would I do for myself and my family if I were in this situation?" Then that's what I recommend.3) MAKE A COMPLEX SUBJECT SIMPLEI keep my presentations, explanations, strategies and investments as simple as possible. I don't use fancy jargon nor try to impress you with sophisticated language, charts and graphs. I cut through the industry's noise and complexity and provide a simple answer.4) BEHAVIORAL COACHING At the end of an investor’s life, 95% of his total lifetime return will come from how the investor behaved. And the primary determinant of that behavior will be the quality of the advice he got, or didn’t get. I believe you will do far better in real life with an empathetic, tough-loving behavioral coach than you will on your own.- https://ClientFirst.pro- https://AdvisorFirst.orgI'm a Top 50 Financial Advisor at IP Financial Advisory Services, LLC, Securities Principle, and mentor/trainer of financial advisors. Securities offered through Innovation Partners, LLC. CA life insurance #0C55698