My work experience consists of the following: I owned and operated a public accounting business. I am a CPA and have an MBA from Golden Gate University. I’ve been working in the financial services industry for many years. I hold the Series 7, 63, 65, and 24 securities registration with LPL Financial.

 My clients are individuals, families, business owners and nonprofit organizations. We invest is common stocks, bonds, government securities exchange traded funds and mutual funds. These investments can be held in retirement and non-retirement accounts within a brokerage or advisory platform.

We manage advisory accounts on a discretionary basis. Discretion allows us to buy and sell the particular investments that are tailored to your specific plan without communicating with you before each trade. This allows us to implement your investment plan so you don’t have to worry about the details. We do not have any discretionary power to withdraw money or investments from your account.

Yes. All of our clients have complete access to the money.

We communicate regularly through client meetings in person or over by video conferencing. In addition, we regularly stay in touch by telephone and email.
Client accounts can be viewed online any time. Client statements are mailed monthly. However, most my clients prefer to go “paperless” If you choose this option an email notification is sent when the statements are ready to view and print

We are fully capable of conducting our communications through video conferencing.

We use the research of LPL Financial, Riverfront Investment Group, Dorsey Wright Associates, and more.

We use a discipline approach to selecting investments and managing risk. Our risk management game plan is a four-step process.
Step 1: Market and sector analysis
Step 2: Fundamental analysis
Step 3: Technical research
Step 4: risk management and follow-up

The  Point and Figure Methodology is one of the oldest technical analysis methods used. It is based upon the law of supply and demand. It is an organized way of recording the relationship between supply and demand of an investment. PFM is been around since the late 1800s. It was originally invented by Charles Dow, author of the Dow Jones Industrial Average. He was a fundamentalist, but, also, needed a way to chart and organize relationship between supply and demand that affected individual investments and the stock and bond markets.

We began using PFM during the early stages of the bear market of March 2000, and have used it ever since. It became obvious to us that the traditional risk management technique of buy and hold, (asset allocation) were not working, and something more was needed. We searched additional technical indicators that we felt would work. We believe we have found these through the PFM as scene at Dorsey Wright and Associates. For more detail on point and figure technical analysis please see Point and Figure University at Dorsey Wright .com  (https://oxlive.dorseywright.com/university/index.htm)