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Our Philosophy

It’s no secret that the markets fluctuate often. After all, at the root of every “buy” and “sell” order is a human being, with emotions and biases just like everybody else. But if the years of observing the ups and downs of the market have taught us anything, it’s this: It’s always better to preserve what you have, before pursuing what you want.

We don’t believe in timing the market. Our philosophy toward investing is one of mitigating and managing risk, not maximizing returns. We take a long-term view that focuses on achieving your financial and life goals, taking into account your financial situation, tolerance for risk and time horizon.

How Our Team Adds Value

1. We act as your voice of reason.

Clients rely on us to help them weather uncertain markets with objective, practical financial advice. Having been in business since 1983, we’ve seen a thing or two, so we’re ready to provide perspective that helps you understand the implications of a hasty investment decision. Emotional investing can derail even the most solid financial plans. It’s our role to keep you on the path to success.

2. We help you save on investment costs.

Who doesn’t want to save money? In our model portfolios, we use funds with low expense ratios, and we work to help our clients lower their investment costs with the vehicles we use.

3. We offer ways for our clients to learn from our experienced professionals.

Education is a cornerstone of our practice, and critical to enabling clients to take control of their financial lives. M.J. Smith offers regular seminars, videos and white papers to help people understand their finances and the market.

4. We employ a proactive tax planning strategy.1

Clients face a variety of tax issues – not only while they’re accumulating wealth, but also when it comes time to spend that wealth in retirement. We proactively manage tax-bracket “creep,” so our clients only pay what’s necessary.

5. We uphold a fiduciary standard of care.

As a Registered Investment Adviser with the U.S. Securities and Exchange Commission, we are obligated to uphold a fiduciary (best-interest) standard of care for our clients, but we wouldn’t have it any other way. In fact, the majority of our advisers have voluntarily achieved and maintained credentials like the CERTIFIED FINANCIAL PLANNERTM certification, or CFP® certification, the Chartered Financial Analyst, or CFA designation, the Certified Investment Management Analyst®, or CIMA® certification, and the Certified Public Accountant, or CPA designation – each of which demands adherence to a strict code of ethics and a code of professional responsibility.

Questions?

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