Our philosophy, just like our name, is Simple. Don’t risk the money you need to live on. Have 6 months of emergency cash reserves on hand at all times. Diversify, diversify, and diversify again! Have lots of different eggs, and lots of different baskets.

The real risks in life are usually those that cannot be anticipated. No one plan, strategy, or money manager (even if it’s yourself) will likely be successful in all environments and in all situations. No one knows what the future may bring. No one person or investment team knows all the answers. A team approach, with various perspectives and levels of knowledge and experience, is usually the best strategy. Retirement is like a river. You can only see so far ahead. Have a plan that is flexible enough to maneuver the changes along the way and have options!