Biography
Biography- CERTIFIED FINANCIAL PLANNER®
- OSU Faculty, College of Business; Retirement Planning
- 25 yrs. as a manufacturing engineer in the semiconductor industry
- BS Physics
- MS Electrical Engineering
Investment Philosophy
Most of my clients have worked hard to build a nest egg for retirement or other long term goals. They want and need to continue to grow their assets while avoiding the massive losses associated with the most recent financial crisis of 2008.
The challenge as I see it is to provide meaningful returns while simultaneously managing risk. Whereas the economy is certainly improving under the present administration, asset valuations are at the high end of their historical ranges largely due to ultra easy monetary policy. We cannot eliminate risk and in my opinion being ultra conservative in ones asset allocation doesn’t make sense either but there are a number of tools that can be utilized to try and achieve good risk adjusted returns over full market cycles.
My approach is to identify and implement investment strategies with embedded risk management processes whose philosophies could be distilled as “win by not losing” while also adding meaningful allocations to diversification elements in portfolio construction in an attempt to provide resilience from both systemic equity market and monetary policy risks.
I look forward to discussing what this might look like for you.
Financial Planning
My primary goal in attaining and maintaining the CERTIFIED FINANCIAL PLANNER® accreditation was to be able to have authentic conversations about virtually any aspect of personal financial planning with my clients. This knowledge base helps both to identify opportunities for making better financial decisions as well as to inform robust implementation of the desired changes. We cannot expect account balances to increase monotonically but we can continue to make sound financial planning decisions in the areas of retirement planning, tax planning, education planning, maximizing employee benefits, insurance planning, estate planning, etc. We can never be exactly right since the future is always uncertain but I do believe we can avoid being badly wrong. Over time, clients should expect the compounding effects of making a series of sound decisions will be accretive to their wealth while also providing significant peace of mind.
Choices
Your Financial Planner and/or Investment Advisor obviously needs to be professionally competent and trustworthy. Those are simply baseline expectations. Ideally your Financial Planner is also an excellent communicator, is readily accessible, gets stuff done, and clearly demonstrates through their actions they are fully invested in your success while also offering a compelling value proposition. You want a dolphin as your navigation partner through your voyages in personal finance.