Don't Bet Your Retirement on Normal High Cost Strategies

The conventional investment approach tries to outguess the market and predict the future. History shows us, however, these conventional methods have low odds of success.

If you're within 10 years of retirement you may not have time to recover from investment miscues. It's time to use facts, not emotion and discipline not sizzle to position yourself for the retirement you've worked for.

Let me help you manage your assets and design a plan to work towards your ideal retirement.

“As you approach retirement, your investment strategy should shift from wealth maximization to life maximization.”

Roger Whitney - CFP®, CIMA®, CPWA®, AIF®

Research Has Shown Us

  • Humans are not hard wired for disciplined investing.
  • Reacting to the emotions of fear and greed can hurt performance over time.
  • Expenses and taxes matter.
  • To invest successfully, focus on what you can control.
  • Markets have rewarded disipline over time.

Pursue a Better Investment Experience

Evidence Based Investment Approach

Our investment process utilizes time-tested investment strategies backed by strong organizations and academic rigor.

EFFECTIVE DESIGN

We'll design your portfolio to target the long-term drivers of returned. Not predicitions about the future.

  • Globally allocated.
  • Smartly diversified.
  • Targeting long-term drivers of return.
  • Trageting a risk level you're comfortable with.

EFFICIENT COMMUNICATION

We'll have regular "little conversations" to help you understand the "what" and "why" of each holding and to assure we are working together.

  • On-demand performance reporting.
  • In person, phone and video meetings.
  • Coordination with your other advisors
  • Educational webinars to help you be an informed investor.

MORE TRANSPARENCY

You have the right to the information you need to make smart decisions.

  • Fees
  • Potential Conflicts
  • Performance
  • Risk Level

ALIGNED INTERESTS

We are compensated by only you, our client and keep our structure easy to understand. 

  • Your own Fiduciary.
  • One simple fee.
  • No account fees.
  • No transaction fees.



EFFECTIVE PROCESS

We'll use a proces build on sound principles and nimble enought so we can adjust as your life unfolds.

  • Determine your minimum effective dose of risk
  • Design a portfolio to target it.
  • Diligently select each investment.
  • Control costs.
  • Manage taxes.
  • Rebalance systematically.

SOUND PRINCIPLES

We build your portfolio on sound time tested principles, not fancy strategies with little history of success.

  • Control costs and taxes.
  • Construct a portfolio focused on the drivers of return.
  • Practice smart diversification.
  • Resist chasing past performance.
  • Let markets work for you.
  • Avoid market timing.
  • Manage emotions.
  • Look beyond the headlines.


CONSISTENT QUALITY CHECKS

We systematically review your portoflio and check in with you in order to:

  • Reconfirm your situation and objectives.
  • Work to target a risk level right for you.
  • Manage risk through market cycles.
  • Educate you on your holdings.

"You can google smart. You can't google wisdom."


Roger Whitney, CFP®, CIMA®, CPWA®, AIF®

EXPERIENCED GUIDANCE

You'll work directly with me, Roger Whitney, as I help you design, build and implement a portfolio inline with your unique goals. 

Over the last 24 years, I've worked with clients through the rise and fall of the "tech bubble", 10 years of virtually flat markets and the financial crisis of 2007-2009. I'll use these hard-earned lessons to help you have a better investment expereience.

  • 24 Years experience working with individual clients.
  • Certified Financial Planner (CFP®).
  • Certified Investment Management Analyst (CIMA®).
  • Certified Private Wealth Advisor (CPWA®).
  • Accredited Investment Fiduciary (AIF®).
  • Past instructor, CFP® certificate program, Univeristy of Texas, Arlington.
  • Past instructor, Wealth Management, Texas Christian University.

What You'll Get:

  • Access to investment strategies not avaiable to the general public.
  • Creation and implementation of an asset allocation in line with your goals and risk tolerance.
  • Smart diversification founded on solid principles.
  • Your own fiduciary legally obligated to give advise in your best interest.
  • Systematic tax-aware rebalancing.
  • Annual risk assessment.
  • Ongoing due diligience and monitoring of investment strategieis.
  • Systematic "little conversations" with Roger to adjust as your life unfolds.
  • Comprehensive financial planning with Roger using his Dream, Plan, Live retirement formula.
  • One simple fee with no account fees, transaction or other nuisance fees.

A Word From Roger

“I've walked the journey into retirement with countless families over the last 24 years. Let me help you and your family identify and work towards your ideal retirement."