Our experience and research tell us there is far greater opportunity in avoiding loss and mitigating the factors that erode our resources than in picking the best investment. These factors include things like taxation, inflation, interest on debt, investment and banking related fees and expenses, inefficient or inadequate insurance coverage, market volatility, and planned obsolescence. The financial institutions and the conventional wisdom they propagate have lead Americans down a path toward financial ruin. Their message is to ignore these costs because the higher rate of return they’ll earn for us will make them irrelevant. Nothing could be further from the truth. They obfuscate cost and risk to overwhelm consumers so they can exploit our lack of understanding. Our process is simple, transparent, reliable, and logical. We seek to minimize cost for our clients, help them understand how money really works, and how to make theirs work most efficiently for them.