Our Process

We believe that investment decision should be unemotional and be guided by logical, rational, and conscious thinking. Those investors who recognize that the brain doesn’t like logical, rational, conscious thinking—and will take any shortcut gives them an edge. Keeping investing emotions on a leash is paramount in investing success.

In some market conditions, it make sense to exploit bi-directional growth opportunities. This is where you can make money when market go down and you can make money if markets go up. So, your money gets a chance to grow in both directions. Depending on risk mitigated, your upside can be limited or unlimited, and you have growth potential to the downside to a certain extent.

Many investors get scared when markets enter bear market territory. For us volatility represents opportunity that should be capitalized. We seek to take advantage of markets that have come down significantly more than others. We aim to rotate into investments  where there is best opportunity at any given time.

Time layering is a concept that is little known and highly under-utilized by investors. We deploy strategies which can not only help dollar cost averaging of cost basis but also help smoothen the volatility of returns. Moreover, time layering can helps us to create tax efficiencies.

We strongly believe in tax-diversification of portfolios. All investments should be viewed in terms of their tax equivalent returns or yields. Tax diversification helps us to mitigate the risk of taxes going higher in future or to utilize different tax-buckets during retirement years. 

Some folks use leveraged instruments to aggressively grow their money without realizing that it is doubled edged sword. While leveraged funds can have a place in the portfolio at certain times, they are generally appropriate only as a very short-term strategy. We believe in using instruments that provide us leverage to the upside but not to the downside. 

While we may utilize strategic relations with certain very competent third-party asset managers, the core of our investment management process utilizes our in-house professional state-of-the-art investment strategies. We believe that the advisors who outsource the money management function to third parties end up underserving their clients.

There are some risks that are necessary risks and should be taken, for example systematic or broader market risk. And there are certain risks that are unnecessary risks and should be avoid, for example non-systematic risk, diversifiable risk, residual risk or single-security risk. Unfortunately, many investors are emotionally married to their employer’s stock (for example with RSU) and have not learned the lessons of past market cycles such as .com bubble.

In recent decades, healthcare and technological innovations have increased the life span of Americans, however, that has had unintended effects such as increased longevity risk and increased healthcare costs during retirement years, especially if you end up needing long term care. We seek to eliminate such unintended risks for our retiree clients.

We try to understand your value system, what you cherish and want to nurture. We utilized a goal-based investing approach with objective of securing your essential goals with the highest confidence level while maximizing the chance of reaching your aspirational goals.

We are by your side in good, bad and ugly times. We empower you so that you have self-control, act in own best interest, and make decisions based on facts instead of personal biases.

We believe in educating our clients through financial education. We cut out the financial jargon and speak in a language that you can understand.

We have spent more than a decade developing and refining our state of the art professional investment strategies. We invite you to capitalize on our decade of research and development. It takes passion, perseverance and passion to be an expert in any area. You do not have to reinvent the wheel if you are not pursuing this as a career.

We streamline your financial and investment journey by taking a step by step approach and streamlining your journey through different phases.

We have chosen to serve you as an independent financial professional (instead of working for firms that are subsidiaries of commercial banks, investment banks or investment companies). This allow us offer non-proprietary products and gives us the ability to provide investment advice and holistic financial planning and retirement planning guidance without expectations to sell proprietary products.

We have Investment Advisor Representative, Registered Representative as well as Insurance Agent licenses, which allows us serve your in a way that fits your individual needs. We can serve you in a fiduciary capacity, minimize your costs, and do not send you off to third parties to provide different investment solutions.

We are proud to be serving as a modern advisor, staying on top of cutting edge financial technology and having the perfect balance of maturity and age. Afterall you do not want to outlive your advisor for the better part of your life.

We work as per your communication preferences. If you would rather hear from us via email, texts, phone call, in-person or online meetings, we utilize the communication means that work the best for you. We also provide our clients flexibility to see us in the evenings or weekends.

You are entrusting us with a huge responsibility and we believe transparency builds trust. Feel free to ask us as many questions as you like before deciding to work with us.

We take the safety of your financial data very seriously and use processes and procedures that maximize the chances of your data being safe and secure.

Federal law requires us to tell you how we collect, share, and protect your personal information. Please read our privacy policy here and if you are California resident, please read our privacy policy here.