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Having the experience,

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having the knowledge of my 20 years,

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my wife's 25 plus years of financial services

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industry, and managing portfolios for that long.

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It's tailoring what we we do specifically for...

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Mr. and Mrs. Jones,

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what their immediate needs are,

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and then what their longer term needs are.

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When you put that all together,

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no two plans are the same.

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What they need may be very different,

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even though they're the same age as another couple

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in a similar situation,

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but has slightly different needs.

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Where I think we have a competitive advantage is

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in that we put customized portfolios

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together for our clients.

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We don't say, okay, you're this age.

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You belong in this portfolio, and it's exactly the

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same as somebody else in that same age category.

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For you, Mr. and Mrs. Jones,

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you need this.

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Here is a plan that's specifically for you

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and an investment portfolio

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that matches up to that plan.

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The only way that you can really do

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that effectively is to really take the time

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and really engage in a conversation in a discovery

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process where we find out all

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the things about their financial lives.

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Initially, what we start with is take inventory

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of all your financial assets pension,

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Social Security, life insurance, health insurance,

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your tax situation, current investments,

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real estate investments, the whole gamut.

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And then from there, what is it all for?

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What are you trying to accomplish?

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What's important to you?

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Do you have kids?

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Is college important?

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How long do you expect to work?

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What if life happens and you want to keep

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working to 80, but you're not able to right?

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What we come up with is a guide,

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and it says here's where you're at.

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Here's what you've said,

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where you want to be in the future,

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and here's what we need to do

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along the way to get you there.

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After we're done with this process, we don't

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make any guarantees, but I can tell you this.

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We are going to have a clearly defined plan

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that helps you rest assured, knowing that you're

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on track for the goals that you identified.