expert opinions

Is Your Relationship in Trouble?

photo shows a stack of thin magazines on a white table

Friends, it’s been a good many years since any lifestyle magazines could be found in my home. Remember magazines? Glossies?

I was reminded of them recently.

Marketing for financial services is regulated in various ways. Bodies like the SEC work toward protecting investors. Still—advertising for financial advisors sometimes twists the ideas in our minds the way the glossies did and do.

Magazine covers ask the questions that beg the question.

  • Is your relationship in trouble? (“Oh, what if it is? I better take a peek inside…”)
  • Looking to fix your problems fast? (“Well, I suppose there are things I could work on…”)
  • Need help finding expert tips? (“Can’t say no to that…”)

There are assumptions and judgments packed into such questions. They suggest that you have problems, you must address them quickly, and you require assistance from the preapproved authorities. But it’s not only beauty and fashion pros who ask these questions.

I hear the same thing in ads for financial services.

Most folks don’t need any pressure added to their financial relationships. Life’s big changes and hardships bring enough challenge, don’t they?

On the contrary—what a wonderful phrase!—we prefer to share the load. We like taking these journeys with you. We enjoy connecting you to resources you want and not the ones we “prescribe” or insist upon. Partners in the process is what we strive to be.

Clients, we’ll help acquaint you with reality as we see fit, but it will be just one version of things. And you have to live in your reality of things. We’re grateful to be part of it.

Let’s chat, anytime.

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Who’s the Expert?

photo shows glasses, a pen, a figurine of a house, a plan, papers, and a glass of coins sitting on a sunny tabletop

We listen to you about the things you know best, we talk to you about the things we know best.

You are the expert on certain topics. What are your thoughts and feelings about retirement? Where do you want to live? What is your philosophy about a legacy to future generations? We respect your expertise about your personal goals and objectives.

Our business proposition is that we are the experts on certain topics. Of course, there are many experts on every topic. But what may set us apart is this: we won’t pander to your thoughts and feelings when we know better. Penny marijuana stocks? The latest technology hype? That hot concept that everybody is talking about? If we believe it won’t be good for you, we aren’t participating.

It would be easy to go with the flow, to deliver whatever anyone might desire. But one of our fundamental rules is “avoid stampedes.” As contrarians, we believe the crowd is sometimes very wrong. When an investment idea is at the peak of popularity, it may be overpriced and due for a fall.

Our attitude about this may cost us in the short run. When we refuse a transaction, it sometimes upsets people. But if it turns out that we helped someone avoid a potential loss, they may connect the dots and reward us with a higher opinion about our intentions and integrity.

We aren’t this way because we are saintly. It is simply a more effective way to live. When we put you in charge of certain things, we do not have to worry about them.

For example, somebody recently asked us about our goals for the year—how much new business, how many new clients, and so forth. We think you are in charge of where you do business, not us. We learned a long time ago that the best way to grow our business is to grow your buckets. That is our goal, and it has nothing to do with chasing strangers around.

This helps us focus on getting better, on being more deserving of your trust. It frees us of wasting time on things we cannot control. We have more time to communicate with you about the things on which you are the expert—your goals and aspirations.

When we communicate freely back and forth about our different areas of expertise, good things may happen. Clients, if you would like to discuss this or anything else in more detail, please email us or call.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.