There are certain universal laws & rules we understand as truths: you can’t step off a cliff and expect to float to the bottom, and you can’t cause water to run upstream. We can’t make past performance indicate future results, much less choose which fund or manager will “outperform”, nor can we predict the level of interest rates, stock market activity, or know when people will pass away and what the estate tax rate will be when they do. You can’t guarantee anything!

What I do know, with over 30 years of professional experience, is that people need coaching and guidance, especially with their financial lives. No ship sails without a plotted course and no plane can take off successfully without a flight plan. AND no household can achieve a successful financial journey, especially across more than one generation, without developing a comprehensive financial, investment, and estate plan. My job and mission in life is to help individuals and families create such a plan and guide them through the completion of the plan, year after year.