The key to wealth management

Personal initiative, hard work and thrift are three important keys to creating personal wealth.  If you're still working tell me the percentage of income you’re putting away, or if you're retired tell me your distribution rate, and I’ll tell you if I feel you’re on track to reach your financial goals.

Your total lifetime investment returns come mostly from three values (faith, patience and discipline) and three practices (an asset allocation to fit your plan, diversification and rebalancing).  I believe, asset selection and market timing are irrelevant.

If you doubt this or think there's more, I'd love to chat with you. The call, the couch and the coffee are free.

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