Our Financial Planning Philosophies to Benefit Our Clients
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The first rule is not to lose. The second rule is not to forget the first rule. –Warren Buffet


We have a great job! We get to assist you in achieving living the life you desire.


  • Honesty/Integrity
  • Compassion & Respect for others
  • Be Reliable/Accountable
  • Make a Difference
  • Do your Best/work hard/be the best you can be


To listen to our clients and help them crystallize what’s most important to them by defining their vision, their life’s dreams.  We help our clients turn those dreams into reality by helping them define their goals and guiding them to stay on track every step of the way so they can live the life that they envision/dream about.


Protect principal and take advantage of market opportunities. Our philosophy is that simple. The execution can be complex but the goal and philosophy is simple.

Investments are the commodity that is used to generate growth of money in order to fund your goals.

The main goal is to allow you to relax and not worry about your money/investments. That is our job. Your job is to live the life you desire.

We do not execute a strategy that allows for large losses and advise you to hold on as the losses continue to mount. We vehemently disagree that this is a sound investment approach, especially when you are within ten to fifteen years of needing the money/your goal. There is ample evidence to prove that this is not a viable strategy to succeed. Please contact us and ask for the investment piece Why Avoiding Large Market Downturns is Important   which describes the evidence behind Sequence Risk.

We are not hard and fast on any one investment approach/methodology; we will use the proper methodology for the proper time-frame, e.g. Value, Tactical, Momentum, Buy and Hold, etc. They all have their pros and cons.

Please see the various investment related articles we have written posted to this website.


First focus on what you want, your vision for life, the life you desire to live, then focus on specific measurable goals, lastly crunch the numbers and put the money behind it. This is the only way you can plan. Unfortunately most people start in reverse with the money and work backwards.

Planning is a process not an event. It is an ongoing process that evolves over time. You cannot draw up a plan and never change it and expect to succeed. The world, markets and economies change and you change! You continue to evolve and so should your plan.

The execution of your plan is also critical. Know yourself, will you implement? We focus on just that, execution. We help hold you and the professionals on your team accountable to proper execution of the plan. We are fortunate to have very talented professionals at Bartley Financial Advisors. Our best talent is knowing how to execute, and help you execute your plan so you can live the life that you dream about. It isn’t a fancy line typed in on this website; it is core to us, what excites us, what inspires us to get up in the morning…you! and watching you live the life you desire.

Learn why avoiding large market downturns is important.


Avoid large market downturns.