I have undergraduate and graduate degrees in business and finance and have spent over 25 years working in the banking industry. I first got involved in financial planning about 20 years ago when I started planning for my family and parents. Since then I have completed the Certified Financial Planner (R) designation, become involved in various industry associations including the Financial Planning Association (FPA), The National Association of Personal Financial Advisors (NAPFA), the Garrett Planning Network and founded my firm. I have been doing planning full time since 2011.
I enjoy working with numbers, teaching, and solving each client's unique planning puzzle, which is why I enjoy the day‐to‐day work. My true passion, however, results from my belief that planning does not need to be complex or expensive. So, my goal is to help each client achieve their goals through a simple yet holistic plan and at the same time, help them avoid the traps and expensive sales pitches inherent in the financial industry.
I am not a stock or mutual fund picker, and I do not time the market. I believe in and advocate for a "buy and hold" passive strategy that involves investing in a diversified, low‐cost, tax‐efficient portfolio of index funds. Research done by organizations like Morningstar and S&P consistently demonstrates that over the long‐term passive investing beats active investing the vast majority of the time.