Isn’t life more than just numbers and spreadsheets? Intentional Life Planning should also be more than numbers and your personal rate of return. Intentional Life Planning is a holistic process that helps you live the life you want to live in connection with your values.

Many firms don’t add a real value to their clients. The traditional school of financial advice can be summed up in “Here’s your plan. Trust me, 30 years from now you’ll be really thankful you did this.” Like “spend less, save more, invest in these funds” kind of thing.

You could always be saving more, investing more, and spending less. But does doing so make you feel any happier?

If you’re fixated on “having enough money,” then your plan, and the life it provides you, will be stuck in a cul-de-sac. You’ll find yourself trying to justify every financial decision as you circle around and around wondering if you “have enough.”

The challenge is how we can use the money we have to get a better Return on Life (ROL). That’s why it’s so important we focus on Return on Life right now. After all, what’s the point of having money and not getting a life benefit from it?

There is no greater freedom, and no greater wealth, than living the best life you can with the money you have.

With our unique accountable investment management, when markets fall, we want you to know that we’re all in this together. That is why we waive our monthly management fee anytime your account value falls below the previous month end value.

Long-term success requires discipline, patience, and the ability to look beyond the short-term noise that drives the day-to-day fluctuations in the financial markets.

Investors too often concentrate on the potential upside of an investment while failing to take the appropriate steps to protect their downside. Risk management cannot be overlooked.

We manage our clients’ money based on the underlying principle that it doesn’t matter what returns you earn if you give it all back in the next market correction.

We begin our process by learning about your investment objectives and your current portfolio in an initial meeting. How have your past experiences shaped your tolerance for risk? What is the time horizon for the investment portfolio? What are your expectations from an independent advisor like us?

We also explain to you our investment philosophy and our current strategy, so that you understand how we operate and what we think.

If you would like to engage our services, we’ll draft your investment policy statement that outlines your objectives, our responsibilities. It will define the acceptable range of exposure to each asset class and the targeted rate of return for the portfolio.

Then we will start implementing our recommendations to align your account holdings with our investment strategy. We monitor and adjust your account holdings on a consistent basis, measuring performance and comparing results to targeted rates of return.

What we offer is more like a partnership. You can rely on us as somebody who’s there more as a coach than as someone telling you what you should be doing.

We understand that you may also be burdened with a staggering amount of student debt and have had difficulty finding a job or boosting your salary during and after the Great Recession. All those factors mean that the conventional financial wisdom that worked for older generations may not work for you anymore.

Traditionally, financial firms have emphasized the management of assets. But the average young professional, just starting to ascend the corporate ladder, won’t have much. Unlike those firms; instead of telling you what you have to do, we ask you the right questions, brainstorm with you so you can solve the problem yourself.

What we do is kind of like what a coach would do for a team. You still are the one who gets to run the ball into the end zone, we’re just the one who is helping strategize different plays to get you there with budgeting, investment management services, and debt repayment plans.

We give you the freedom to choose and tell you it’s OK even though society says you have to pour everything into your 401(k) to retire well. We believe that there are other ways to get you there.

Most financial advisers will set you up to live the life you want at 60, but traveling at 30 is very different from traveling at 60. Living the life that you love may mean following a way that society doesn’t say you should go. We want to meet YOU, not your bank account.