I would like to interview for the job as your Advisor and Investment Manager

  If you have investment and financial goals, you need an effective advisor. Unfortunately, it can be tough to find an advisor who can communicate with you, actually manage your money, can educate you about your money, and isn’t always trying to sell a product to you.

 I look at the process of growing money for my clients a little differently than most advisors. Basically, I have 5 investment beliefs.  

   1.  Having a Plan B is Critical

  During the tough times in the stock market, the news media would claim “nothing is working in the world of investing. Everything is losing money.” That couldn’t be further from the truth. Yes, the vast majority of investments were losing money during the financial crisis. However, there was one class of investments that were making money.

 Using this investment class can give you the best chance to grow money even in difficult times. The key is to having a Plan B (and no, Plan B doesn’t consist of equity indexed annuities, life settlements, or buying gold).

 2. Information & Education are Key in Achieving Understanding 

 One of the biggest complaints that I hear from investors has to do with not being informed. Most investors have no idea if their money is being watched, whether or not changes are being made, and if they are making the right decisions.

 It is critical to understand the how and why of your investments-even if you have an investment manager. I also find it important that my clients understand what might be on the horizon. This is why I write a 4 page investment letter to my clients every 2 weeks. I have been doing this like clockwork since 2005. For clients who want a more detailed look at the markets, I also write another letter called the Prudent Money Real Time Alert.

 Communication and education are huge values for me when it comes to investing and managing.

  3.  I am Hired to Make Decisions so that You Don't Have To

Have you ever received a call from your advisor asking your thoughts on investment changes? Your first thought is probably - 'Isn't that your job?'. That is the best case scenario. What about the advisor who does nothing at all?

 I make those decisions for my clients based on the risk level they are comfortable with and their unique personal situation. I manage money for my clients so that they don't have to. After all, that is my job and why I am hired.

  4.  Understanding your Roadmap from Point A to Point B

 Obviously, no one can promise a smooth journey when it comes to investing. Every investor has their own journey. It is my responsibility to keep you on that path regardless of anything that might get in the way. This is why it is important that every investor understand the roadmap for their own unique journey, the potential roadblocks along the way, and how much longer until they reach what I call 'Financial Independence Day'.

  5.  Prudent Stewardship should Always be the Compass

 It is our responsibility to be prudent stewards of what God has given us.  We are called to make wise decisions when it comes to money. When a client hires me to manage money, I view it as an extension of stewardship.  That translates into placing protection from risk as a number one priority.  I have a simple philosophy.  If your first priority is to protect from risk, the growth takes care of itself.  Risk robs us of time. 

Time is the most precious element of growing money.  It is important to make sure you are making the most of your time. If you are unsure about your retirement money, I would like to interview for the job of managing your money. I don’t know if I am the right guy or not. However, it certainly makes sense to invest a little time to find out.

 I invite you to call me personally at 972-386-0384 or e-mail me at This e-mail address is being protected from spambots. You need JavaScript enabled to view it   If you chose to e-mail me please make sure you include your phone number.  I don't ask as a means to follow up.  We might check with you to make sure you received our e-mail reply since e-mails sometimes don't go where they are suppose to go. 

 Keep the Faith,     

Bob