You can sum up The Focused Life philosophy in two words: Be Free.
- Free of the stress and worry perpetuated by the Wall Street marketing machine.
- Free of the self-serving tactics that enrich the so-called experts at the expense of typical Americans.
- Free of the myths about wealth creation and personal financial management pedaled by the giant financial conglomerates.
It’s time for practical, real-world solutions that truly work for you—personal financial strategies based on unbiased research, sound principals and your particular circumstances.
FINANCIAL PHILOSOPHY. There is but one purpose of financial planning: to help people spend, save, invest, and insure wisely to achieve financial independence. Strategic planning emphasizes a lifelong perspective and helps you structure your finances to meet the anticipated and the unexpected challenges ahead.
The financial sales and advice industries are not particularly interested in typical American families and individuals. Yet, these are precisely the people who will benefit most from expert financial coaching and advice. The big banks and large financial institutions cater almost exclusively to the highly affluent, and largely ignore the needs of everyone else—those for whom every dollar counts.
The FocusYOU approach begins with understanding. We take our time to learn about you, your goals, aspirations and expectations. We then evaluate your situation from a cross-disciplinary perspective to identify strategic gaps and planning opportunities. This approach ensures that your strategic plan is well coordinated and works effectively to meet your financial and life goals.
A well-conceived strategic plan serves as your basis for sound, educated decisions and as a catalyst for action. A well- executed plan will allow your resources to work for you, and save you time and frustration on the road to financial independence.
INVESTMENT PHILOSOPHY. Investing is a science that consists of three basic elements: cost, risk and return. Cost and risk are controllable; returns are not.
Our core belief is that financial markets are inherently unpredictable, and therefore impossible to forecast precisely and consistently. Any approach that attempts to do so is simply gambling and speculating.
FocusYOU believes investing success is founded upon scientifically validated research. Our guiding principles are rooted in over 60 years of academic and Nobel Prize winning research. Our investment philosophy includes:
- the belief in market efficiency;
- the importance of broad and deep global asset class diversification;
- exposure to those risks that have been worth taking historically; and
- the belief that lower costs and lower taxes increase long-term returns.
The Focus YOU approach provides you with the best practical investment strategy for you and your situation. A strategy that offers our clients both a consistent investment experience and increased confidence to remain calm regardless of the ups and downs of the markets.
INSURANCE PHILOSOPHY. Insurance is at the core of effective financial management. To carry out financial planning and financial management successfully requires taking care of the insurance infrastructure first.
If you cannot write a check to buy your way out of any catastrophe, then insurance is the best way to keep you and your family from going broke.
First, we help you understand the risks you face and their potential consequences. We then construct a program to minimize the financial consequences of catastrophic risks using time-tested, validated strategies. This approach helps you to recognize the value of sound coverage; avoid purchasing the wrong types and amounts of insurance, and gain greater confidence in your risk management and insurance choices.
Don't hesitate to contact us to discover how implementing our philosophy can benefit you. You can reach us at either 650.684-1199 or 707.282-3700 or
send us a message.
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