簡素 Kanso \ kan • soh \

noun

The Japanese art of simplicity and omission of the nonessential in pursuit of clarity.

Financial planning should not be complicated by jargon, or turn into an 85-page document. Imagine instead, a short, actionable task list.
Written in plain English, it would spell out everything you need to know, and nothing you don't. Now that, is kanso!



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HOW WE DO FINANCIAL PLANNING

WE'RE ANYTHING BUT TRADITIONAL FINANCIAL PLANNERS

 

Our team knows the value of living boldly. We practice what we preach and prioritize doing what we love with those we care about. You deserve to live a fearless life without the stress of financial planning weighing you down.

That’s where we come in.

 
 
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GROW WEALTH

What’s the secret to building wealth? Don’t let the sirens of Wall Street crash your portfolio onto the rocks with sweet songs about picking stocks and timing the market. Focus instead on what you can control and let capital markets build wealth for you.

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PROTECT WEALTH

Is my wealth at risk? It only takes a slip in your driveway or an accident with an un-/underinsured motorist to put your wealth in jeopardy. Our objective analysis will help you decide what coverage is needed so your financial well-being isn’t left to chance.

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SPEND WEALTH

Will I outlive my money? Not running out is our top priority. We’ve spoken internationally on withdrawal rate sustainability in retirement and even created the application Wealthcast™ to model and stress-test portfolios for greater peace-of-mind.

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PASS WEALTH

What will be my legacy? While nobody likes to ponder their own mortality, preparedness is one of the best gifts you can give your loved ones. Want to make a lasting impact with a charitable gifting strategy? We love helping clients change the world for the better.

OUR INVESTMENT STRATEGY

10 GUIDING PRINCIPLES FOR ACHIEVING A BETTER INVESTMENT EXPERIENCE

  • The market is an effective information-processing machine. Each day, the Prices world equity markets process billions of dollars in trades between buyers and sellers—and the real-time information they bring helps set prices.

  • The market’s pricing power works against mutual fund managers who try to outperform through stock picking or market timing. As evidence, only 22% of US equity mutual funds and 10% of fixed income funds have survived and outperformed their benchmarks over the past 20 years.

  • Some investors select mutual funds based on their past returns. Yet, past performance offers little insight into a fund’s future returns. For example, most funds in the top quartile of previous five-year returns did not maintain a top-quartile ranking in the following five years.

  • The financial markets have rewarded long-term investors. People expect a positive return on the capital they supply, and historically, the equity and bond markets have provided growth of wealth that has more than offset inflation.

  • There is a wealth of academic research into what drives returns. Expected returns depend on current market prices and expected future cash flows. Investors can use this information to pursue higher expected returns in their portfolios.

  • Holding securities across many market segments can help manage overall risk. But diversifying within your home market may not be enough. Global diversification can broaden your investment universe.

  • You never know which market segments will outperform from year to year. By holding a globally diversified portfolio, investors are well positioned to seek returns wherever they occur.

  • Many people struggle to separate their emotions from investing. Markets go up and down. Reacting to current market conditions may lead to making poor investment decisions.

  • Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future, while others tempt you to chase the latest investment fad. When headlines unsettle you, consider the source and maintain a long-term perspective.

  • A financial advisor can offer expertise and guidance to help you focus on actions that add value. This can lead to a better investment experience.

 

MAXIMIZING YOUR LIFE

HOW SMART INVESTORS BECOME AND STAY MILLIONAIRES

Do you know the average age 50+ investor with a financial plan enjoys 3X the net worth ($1,002,975 vs. $338,418)* of their unplanned peers? The secret to living well, is planning well. And the best financial plans contemplate all four dimensions of wealth: growing, protecting, spending, and passing your wealth.
*Lusardi, Annamaria, and Mitchell, Olivia S., "Financial Literacy and Planning: Implications for Retirement Wellbeing," May 2011