We are your financial problem solvers.
Your journey can only begin once you have a destination. The Aspire process begins with you defining your goals and what they mean to you.
To accomplish your goals with confidence we must first uncover the path that must be navigated, be aware of the potential challenges, and prioritize a plan of moving forward.
Having a tangible financial plan in front of you begins a new way of living your financial life. Now you have a measure of success that you define; a blueprint of what you want to accomplish. It is only after we have this target that we begin to solve for your investment needs. This is purpose-driven investing.
Our investment methodology is built upon you reaching your goals as efficiently as possible. We understand the sacrifice that unnecessary fees and trading can require, so we disclose and reduce those that are necessary and attempt to eliminate those that do not provide value. Using three passively managed, broad-based index funds allows us to achieve tax efficient, near frictionless portfolio management.
“Amidst the wave of complexity, have we forgotten the fact that the most productive investing is the simplest investing, the most peaceable investing, the lowest cost investing, the most tax-efficient investing - investing with the most consistent strategies and over the longest time horizon?”
The market is an environment that must be navigated, but the tail does not have to wag the dog. Short term market behavior is unknowable, long term it is inevitable. We stay concentrated on the long-term success of your plan by stress-testing your goals against thousands of potential market lifetimes. This allows us to objectively determine if your portfolio is progressing towards your success. By using a measure of plan confidence based on statistical results, we place the importance of your financial life above the markets.
Your financial life is a journey, and you should be in complete understanding of how your Aspire plan can evolve. You should be able to consider changes to your plan with results-based scenario testing. For example: If I retired two years earlier, how much could I confidently spend on annual travel in retirement? Also, what is the benefit or cost by changing my allocation in terms of accomplishing my goals? Our questions to you are about what you want to achieve.
Celebrating your goals and achievements is a better way to live your financial life.