Value Statements & Operating Principles

• Relationships are everything.
  
• Capital markets make people rich, not financial advisors.
  
• What you know and learn is more important than what you have been taught to believe.
  
• Asset allocation* is important, but so is product allocation.
  
• The amount of information as it relates to investments far outweighs the ability to summarize it.
  
• It is important to be responsive.
  
• Independence comes from an open architecture. We work for our clients, not an insurance or investment company.
  
• We take 100% responsibility for your happiness with the solutions and services provided.
  

*Asset Allocation does not guarantee against loss. It is a method used to help manage investment risk.