This advisor specializes in the following areas of expertise:
- Retirement Plan Investment Advice
- Hourly Financial Planning Services
- Divorce Planning
- Newlyweds & Novice Investors
- Helping Clients Identify & Achieve Goals
- Ongoing Investment Management
It is very, very hard to pick winning stocks, or to time the market. Most people who try eventually crash and burn. This includes professionals as well as amateurs. Study after study show that buying the market (indexing) is the best investment strategy. Costs matter, and matter enormously. If you invest in, say, a mutual fund that charges you 1.5 percent a year, or if you pay a money manager that much, you are very unlikely to wind up ahead. If you pay a commission (load) of, say, 5 percent to get into a mutual fund, you are tossing money to the wind. Diversification is all-important. By investing in a broad array of "asset classes" that include growth stocks, value stocks, large and small company stocks, Asian stocks, European stocks, bonds, and commodities, you have your best shot at a fair return with minimal risk. Every investor is different, and successful investing means tailoring a portfolio to the individual's needs. A 30-year-old with an income of $70,000 a year should not invest anything like a 70-year-old with an income of $30,000 a year. I work closely with each client to develop the best individualized investment strategy. I use primarily exchange-traded funds (ETFs) to build a portfolio. What are ETFs? They are baskets of securities that offer investors instant diversification for a very small price. They track an index, sector, or country and trade like a stock. Plain and simple, they are a godsend to the individual, small investor.
I hold a Master of Business Administration (MBA) degree in international management and finance with honors from the Thunderbird School of Global Management, in Glendale, Arizona; a Bachelor of Science (BS) degree in business/economics magna cum laude from American University in Washington, D.C.; and a graduate certificate in personal financial planning from the CFP Board-registered program at Moravian College in Bethlehem, Pennsylvania. As part of my MBA program, I also completed a semester of study in economics and finance at the Oxford Centre for Management Studies (now called the Saïd Business School), part of England’s Oxford University. I am the author of numerous books on finance, including Index Investing for Dummies, Bond Investing for Dummies, Exchange Traded Funds for Dummies, and (co-author of) One Year to An Organized Financial Life.
NAPFA Start Date
February 21, 2002
Industry Start Date
January 01, 2003