We must match who an investor is and where they want to go, to a plan and a portfolio strategy.

  The most successful financial plans look into the relationship of money in our lives.

 The time horizon must match investment goal and will affect type of investments chosen.

 Over the long run, turning points in the business cycle can rarely be identified until after the fact, and therefore one can’t time the market by trying to anticipate when to buy and sell.  Not only is that most likely a strategy which will not produce better investment returns but the transaction costs will make it cost prohibitive.

 It's Hard to find anyone that can "beat the market."

 Individual securities are not nearly as important as the different type of investing you are doing (asset classes and sub-classes). Asset allocation is like estate planning, we all have a plan whether we like it or not.

 The goal is to get the investor to their goal, but not via a roller coaster. Undue volatility will deplete a portfolio.

 Diversification is not just to avoid putting all your eggs in one basket or to utilize different investment objectives but to obtain  a spread across size, geography, businesses, asset classes and value and growth investing.

 The diversification effect is based on correlation's within a portfolio and can mean more return with the same amount of risk or less risk with the same amount of return. Some investments should be working while others should not.

 A "traditional portfolio" is a balanced, domestic portfolio of U.S. Treasury bills, long term corporate bonds and large company stocks and has much fewer chances of long term success than a broadly diversified portfolio

 We must inform investors of the interest rate risk and purchasing power risk of bonds.

 We believe in the semi-strong efficient market theory that most information is known and prices reflect this but there are areas of anomalies where some advantage can be achieved.

 Power of dollar cost averaging